Banks like to think that branch employees (bank tellers) are sales people. Most of them give ‘goals’ to each employee requiring them to open a certain number of new accounts, land a certain number of loans, etc each week/month. It isn’t ethical since the only people you can really sell on those services are the ones who should least get them. Anyone who actually wants/needs the services will come to you.

Wells Fargo differed from the rest of the industry by setting completely impossible goals, not just unethical ones. This led to them developing a culture where signing people up for services they didn’t agree to became commonplace.