Obviously haven't been a Wells Fargo Customer I take it They do indeed give you $20 if you send someone to them to open an account. I've received a number of $20.00 deposits to my accounts. Also, Vonage (phone service) - gives you 1 free month for any new customer. Earthlink (years ago) also gave you 1 free month for every customer you referred. I had YEARS of services with Earthlink without ever paying.

Affilites do work - you have to know the market and know how to capture it. The right combination will release you from ever having to do marketing yourself!