One of these banks is not like the others

I’ve received five letters from banks in the past five days:

American Express: Sorry about Sandy, let us know if we can help in any way.
Capital One: Sorry about Sandy, we’re here to help.
Citicards: Sorry about Sandy, we might help somehow.
Citizens Bank: Sorry about Sandy, here are some specific ways we could help.
Elavon: That bogus one-time fee that we shouldn’t have charged? We’re making that an annual fee.

One of these companies has a bigger lock-in on their customers than the others.