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Wells can be picky. Do you have an account there? They seem to be the only big bank that favors existing customers. They offer a $400 bribe for checking,
https://accountoffers.wellsfargo.com/welcomebonus/#star2
I don't have an existing account and have heard of this. I just use Expedia a lot and wanted extra bonuses. I will wait until January 26 to see if I pre-qualify.