A cheap, complimentary home appliance (usually a toaster) given to a customer for opening a bank account.
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Banks love finding ways to get new people to deposit their money with them and open new accounts. Decades ago (in the United States, at least), that involved giving away free toasters, alarm clocks, or other cheesy or unusual home electrical appliances to new customers, which grew to be an expected perk of 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 media and popular culture. Whenever a there is a scene in a bank, the Bank Toaster can commonly be Invoked in signs or promotional displays advertising new accounts or character dialogue. In bank robberies, the Bank Toaster usually comes up as a comedic device, such as an item Stupid Crooks 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 clueless mix-up and failure to realize there would be something more valuable to take from the bank. As it has become much more unheard of for Real Life banks to give out toasters and similar house appliances in our present day, this trope has grown into more of a Dead Horse Trope.