"Goin' to the Bank" was produced by Dennis Lambert and Jeremy Smith. In addition to R&B activity in the U.S., it gained airplay on select Top 40 stations in late 1986 and in January 1987, including WSPK "K104.7" in Poughkeepsie, N.Y., and WHLY "Y106" in Orlando, Fla. However, it fell just shy of the Top 40 on a national level. Lambert also composed the song with Franne Golde and Andy Goldmark.[1] "Serious Love", another song from the album was used as the single's B-side.[1]
Critical reception
Jason Elias of AllMusic praised the tune saying "the fun single "Goin' to the Bank."...was funkier then the other singles released in the mid-'80s. The fact made the lead vocalist sound more at home. With its locking beats and solar style jittery synths, this was close to the sound that a lot of established R&B acts were doing to keep up with the times. While this has little of the charm of their 1974-1981 work, it's passable and a half-cut above most of the songs released by their contemporaries and the few self-contained bands that came after them. J.D. Nicholas does a vignette here as a beleaguered doofus running to the bank and has a conversation with a bank teller, Siedah Garrett. If that's not enough kitsch, the Great Britain native Nicholas also does a rap in the world's strongest English accent."[3][a]
