Wintrust Financial CEO Ed Wehmer said his multi-bank holding company "does not have, and never has had a system-wide and center-based retail banking cross-sales program. Our culture is more relationship-, and know-your-customer-based." That said, some banks that Wintrust has acquired over the years do offer incentives for cross-selling. Wehmer said on Wintrust's earnings call that the company has "never experienced any problem with these plans," but that it will be taking a second look at them. "As a result of the [Wells Fargo] situation, the regulators will be looking closely at this type of activity at all banks," he said. "In fact, this has already started."