Line #104 Main/BankToaster


1	[[quoteright:240:https://static.tvtropes.org/pmwiki/pub/images/Chesapeak_Bank_toaster_thumbnail_1028.jpg]]
2	[[caption-width-right:240: Bank + Toaster, You do the math!]]
3
4	Banks love finding ways to get new people to deposit their money with them and open an account. Decades ago, they would give away free toasters, alarm clocks, or other cheesy home electrical appliances to new customers, which grew to be an expected perk for opening a new bank account. Indeed, the free toaster became so closely associated with new bank accounts that it has influenced how banks are depicted in American media and popular culture.
5
6	Whenever there is a scene in a bank, the Bank Toaster can commonly be {{invoked\|Trope}} in signs or promotional displays advertising new accounts or in character dialogue. If one of these toasters is established as part of a promotional display at the beginning of a bank scene, certainly [[ChekhovsGun anticipate something happening to it by the scene's end]].
7
8	In bank robberies, the Bank Toaster usually comes up as a comedic device, such as an item StupidCrooks may try to steal either in a last-ditch attempt to take ''something'' from the bank after any effort to take the money has failed or in a clueless mix-up/failure to realize there would be something more valuable to take from the bank.
9
10	After the 2000s, banks have transitioned to providing cash incentives or consumer electronics as an incentive to do business with them, turning this into a ForgottenTrope. These rewards are provided to the customer after the account has been available for a set amount of time and a certain number of deposits have been made to the account, to prevent individuals from opening an account simply to take advantage of the promotion.
11
12	----
13	!!Examples
14
15	[[foldercontrol]]
16
17	[[folder:Advertising]]
18	* A commercial for Chesapeake Bank of Maryland implies that larger banks, here represented as [[BrandX "Big Bank"]], are so out of touch with their customers that they equate giving out items like the toaster with customer service.
19	* Film/ErnestPWorrell did commercials for regional banks involving this trope. While toasters weren't mentioned specifically, other appliances were featured such as a television and a Weber brand grill.
20	[[/folder]]
21
22	[[folder:Comedy]]
23	* A Creator/DavidLetterman "Top 10" list from January 1990, "Top 10 Signs that Your Bank Is Failing", includes "#10--Free handful of Cheetos with every new account", "#9--They hand out calendars one month at a time", and "#6--Free giveaway toaster is made by G.E.", General Electric at the time having been found guilty of defrauding the U.S. Department of Defense during the previous year (and also owned NBC, [[BitingTheHandHumor the network Letterman was on at the time]]).
24	* Stephen Colbert quipped on ''[[Series/TheLateShowWithStephenColbert The Late Show]]'' that the Russian bank Vnesheconombank has such close ties to Vladimir Putin that if one opens a checking account for $100 or more, one receives "a free toaster and a dead journalist."
25	[[/folder]]
26
27	[[folder:Comic Books]]
28	* ''ComicBook/WonderWoman1942'': During ComicBook/{{Huntress}}'s fight with Pat Pending in a bank he was attempting to rob she knocks him into a shelving unit containing gift toasters and blenders. Pat takes the opportunity of being partially obscured by the appliances to take a pill that allows him to fake his death.
29	[[/folder]]
30
31	[[folder:Comic Strips]]
32	* In one ''ComicStrip/ShermansLagoon'' strip, an octopus is seen thinking about the various options and account choices banks provide, ending his inner monologue with the remark that getting a free toaster used to be so much easier.
33	[[/folder]]
34
35	[[folder:Films -- Live-Action]]
36	* In ''Film/SpiderMan2'', a MorallyBankruptBanker, on top of denying Aunt May and Peter Parker a loan, denies them a coupon for a free toaster.
37	* In Creator/MichaelMoore's ''Film/BowlingForColumbine'', he opens a bank account and receives a free ''rifle''. [[ManipulativeEditing He cut out the part where he had to pick up said rifle from a proper Sporting Goods store and had to clear a background check beforehand, though.]]
38	* In ''Film/TheAdmiralWasALady'', the male characters (all demobbed World War II soldiers who are currently unemployed) use this to their advantage to make a bit of extra money on the side. A local bank offers a free piggy bank as its opening gift. Instead of simply cashing their unemployment cheques with the cheque-cashing man who charges a fee, they deposit the cheques in a new bank account, get the piggy bank, immediately close the account (for a cash withdrawal, no money lost)... and then sell the piggy banks to the local pawnbroker!
39	* In the period western comedy ''Film/TheCherokeeKid'', when the title character approaches a teller at what is intended to be a bank robbery, the teller eagerly explains to him that if he opens a new bank account, he can receive a complimentary bar of pine tar soap. He then continues to name bigger rewards for opening bank accounts with larger deposits. When the main character finally announces men are here to rob a bank, the teller gets to mention that with a new account deposit of $300, one can get a new gun, which the teller promptly produces to deter the would-be thieves.
40	* {{Discussed\|Trope}} in ''Film/TheSilenceOfTheLambs''. Stacy describes her job at the bank as "toaster giveaways and Barry Manilow on the speakers all day."
41	[[/folder]]
42
43	[[folder:Literature]]
44	* Creator/DaveBarry mentions this in one of his books, remarking how the only question banks used to ask was whether you wanted the toaster or the electric blanket.
45	* In ''Literature/OurDumbCentury'', during TheGreatDepression, UsefulNotes/HerbertHoover introduces a Free Toaster Premium Initiative (bread not included) to boost confidence in the nation's banks.
46	[[/folder]]
47
48	[[folder:Live-Action TV]]
49	* In ''Series/EerieIndiana'', the ghost of Grungy Bill, "The Worst Bank Robber West of the Mississippi" ("worst" as in [[StupidCrooks "no good, incompetent"]]) who has never committed a successful bank robbery, tries to run away during yet another unsuccessful attempt to rob a bank with one of the Eerie Bank's free toasters. Managing to be successful at stealing the toaster, Grungy Bill [[InsaneTrollLogic determines this to be a successful bank robbery]] and his soul can finally rest in peace.
50	* The episode of ''Series/TheLucyShow'' "Lucy Takes a Job at the Bank", [[ExactlyWhatItSaysOnTheTin Lucy takes a job at the bank]] handing out the complimentary toasters, and screws things up in a hilarious manner.
51	* In a Superdude skit on ''Series/AllThat'' involving the superhero having to thwart a bank robbery by an evil CostumeCopycat, when Superdude is incapacitated and the villain has taken all the bank's money, [[BondVillainStupidity the villain turns around at the last minute to steal one of the bank's free toasters, as well]]. The villain's balked escape gives Superdude enough time to recover and defeat his foe with his magnetic butt that pulls the toaster (and the villain who won't let go of it) back to him.
52	-->'''Superdude:''' You should've let go of the toaster, but you ''HAD'' to be greedy, didn't you?
53	* There's a ''Series/{{Monk}}'' episode with this trope. In fact, the bank manager gives Monk one of the toasters as a reward for solving a bank robbery, which is greatly welcomed by Monk after the show had begun with Adrian at breakfast contending with burnt toast and a subplot developed necessitating he and Natalie getting a new one.
54	* On ''Series/LaverneAndShirley'', Laverne agrees to help a woman who she thinks wants more of the bank's free dishes. Instead, she turns out to be a bank robber, and she and Laverne are both arrested.
55	* Referenced/parodied on Ellen [=DeGeneres'=] sitcom ''Series/{{Ellen}}'', during the famous [[ComingOutStory coming out]] episode. When Ellen's lesbian friend, Susan, casually comments on how she thought Ellen was gay, the (still-closeted) Ellen hilariously freaks out and accuses Susan of trying to "recruit" her.
56	-->'''Susan:''' I'll have to call up national headquarters and tell them I lost you. Damn, just one more and I would've gotten that toaster oven!
57	** At the end of the episode, it becomes a BrickJoke, as Ellen and Susan walk into a building, Ellen signs some paperwork, and someone hands Susan a toaster oven.
58	* ''Series/TheAdventuresOfBriscoCountyJr'' episode "Crystal Hawkes" features a scene where Brisco steps into a bank offering a free branding iron to anyone opening a new account.
59	* In the ''Series/FreshOffTheBoat'' episode "Hi My Name Is", the family needs a new toaster. However, instead of just buying one, the ridiculously frugal parents decide to have the youngest son Evan sign up for a bank account just to get the free toaster.
60	* ''Series/AllInTheFamily'' had Edith explaining to Archie why there is money in the bank they cannot use. It seems that she used money from the main account to open some new accounts so she could get free stuff (a heating pad, an electric blanket, and a radio). There's a "substantial penalty for early withdrawal" so the money has to stay in those accounts for now.
61	* {{Discussed\|Trope}} in Season 1 of ''Series/MadMen'', when the admen mention how giving away toasters and other appliances is a gimmick to get housewives to visit the bank. This is the starting point of Sterling Cooper's actual pitch to get ''men'' to open new accounts with what they call the "executive account," which emphasizes features to ensure privacy against snooping wives (like sending statements to a man's office, rather than his home).
62	* ''Series/{{Seinfeld}}'' has a slightly modernized version with an electronic organizer and a tape recorder instead of kitchen appliances. Both items turn out to be defective.
63	* ''Series/{{Friends}}'': Phoebe's bank mistakenly deposits $500 in her account. After she alerts them to the error they send her a novelty telephone shaped like an American football as a thank-you gift.
64	[[/folder]]
65
66	[[folder:Music]]
67	* The Capitol Steps' {{parody}} of "You'll Never Walk Alone", "You'll Never Get a Loan":
68	-->''Dream on, dream on,\
69	With hope in your heart,\
70	But you'll never get a loan!\
71	You just might get... a toaster!''
72	* John Prine's song "Your Flag Decal Won't Get You Into Heaven Anymore" has this:
73	-->Well I went to the bank this morning\
74	And the cashier said to me\
75	"If you join the Christmas Club\
76	We'll give you ten little flags[[note]]flag decals[[/note]] for free!"\
77	Well I didn't mess around a bit\
78	I took him up on what he said\
79	And I stuck them stickers all over my car\
80	And one on my wife's forehead!
81	* Mentioned (almost word for word) at the beginning of [[https://www.youtube.com/watch?v=eSANwJYYU5I this song]] by Creator/MarcUweKling:
82	-->''Wegen einem Toaster hatte ich ein Konto bei der deutschen Bank''
83	[[/folder]]
84
85	[[folder:Print Media]]
86	* Newspaper editorial cartoons that focus on the American banks during the global financial crisis of the early 21st century make use of the bank toaster visual.
87	** ''Newsday'''s Walt Handelsman's [[http://www.newsday.com/polopoly_fs/1.3863109.1343336032!/httpImage/image.jpg "Bank Toasters: Then and Now,"]] Then: "What banks gave to you" (the toaster); Now: "What banks do to you" (burn you... in other words, ''[[VisualPun "You're toast!"]]'')
88	** ''Magazine/TheNewYorker'''s Peter Steiner's [[http://www.plsteiner.com/blog/wp-content/uploads/2012/07/2012720-Return-your-toasters.jpg "Return Your Toasters"]] suggests that people who were pulling their money and assets out of Citibank were also returning their free toasters.
89	** [[http://olbroad.com/wp-content/uploads/2008/10/bank-toaster.jpg This cartoon]] made after the 2008 government bailout of major banks in the United States suggests that all American taxpayers got for their troubles is the free toaster (along with a "toasted" economy)
90	** {{Inverted\|Trope}} in a cartoon from the ''Sacramento Bee'' that advertises [[http://4.bp.blogspot.com/_JXyDn5pcCqE/SH1mZjIyh_I/AAAAAAAAA9o/ClCzTHEKqHc/s400/free%20bank.jpg free banks for purchased toasters.]]
91	[[/folder]]
92
93	[[folder:Video Games]]
94	* Referenced in ''Videogame/EscapeFromMonkeyIsland'' where an option to end the Main/DialogueTree with a bank teller is to act outraged at the lack of free toasters.
95	* In the ''VideoGame/HotlineMiami2WrongNumber'' custom campaign ''[[https://steamcommunity.com/sharedfiles/filedetails/?id=741478472 A Real Human Bean]]'', the protagonist Hammarin, is entitled to a toaster offered by his bank. He goes to the bank and kills everyone on his way to the toaster.
96	[[/folder]]
97
98	[[folder:Web Comics]]
99	* From ''Baloo Comics'':
100	** A man who just opened a bank account [[http://www.toonpool.com/user/997/files/bank_toaster_buy_bread_withdraw_729585.jpg asking for his money back so he can buy bread for his free toaster.]]
101	** A bank manager being informed that people coming to close their accounts [[http://www.toonpool.com/user/997/files/bank_bringing_back_toasters_503325.jpg are also bringing back their free toasters.]]
102	* The bank in ''Webcomic/{{Freefall}}'' apparently offers a choice between a toaster and a waffle iron. [[http://freefall.purrsia.com/ff1800/fc01795.htm It's generally recommended to go with a toaster]], as the [[RunningGag waffle irons]] tend [[InstantAIJustAddWater to bite]].
103	* ''Sev Trek'' asked why anyone would want to join the police force set up by the Cylons in ''Series/BattlestarGalactica2003''. The winning punchline: Every recruit gets a free toaster! ([[DontExplainTheJoke Cylons are nicknamed "toasters."]])
104	[[/folder]]
105
106	[[folder:Web Original]]
107	* A Random Event in ''Website/{{Neopets}}'' results in the bank apologizing for an error in their system, and gives you an exclusive toaster item alongside allowing you to collect bank interest a second time.
108	-->'''Description of the Complimentary Virtupets Toaster''': Congratulations on a BRAND! NEW! TOASTER! canned applause
109	[[/folder]]
110
111	[[folder:Web Videos]]
112	* The WebVideo/{{Scamalot}} video ''[[https://www.youtube.com/watch?v=usiyADqD7XQ Toaster]]'' involves prankster James Veitch demanding a free toaster in an e-mail reply to a Nigerian fraudster trying to pull a FourOneNineScam. He claimed he needed to open a new account to take advantage of the Nigerian gentleman's incredible offer, and he might as well claim the free toaster while he was about it. He later recounted the same story [[https://www.youtube.com/watch?v=C4Uc-cztsJo during a TEDTalk]]
113	* The Website/BrainPOP video on interest (as in, the fiscal sense) involved Moby trying to run a bank in his and Tim's front yard. When Tim signs up for an account, he receives a toaster which is implied to have been the one from the kitchen based on the fact that at the end, Tim asks Moby "Are you sure you should be running a bank if you don't know how to calculate interest?", to which Moby hands Tim a lava lamp and he responds "Okay, this is definitely from my bedroom."
114	[[/folder]]
115
116	[[folder:Western Animation]]
117	* The WesternAnimation/LeagueOfSuperEvil schemed to steal $5 so they could open a bank account and obtain a free toaster.
118	[[/folder]]

Context Main / BankToaster