Mr. Mooney hires Lucy to give a new toaster to anyone who opens a savings account. Lucy tries to drum up business by getting her friends to close out their savings accounts and then redeposit the money as new accounts, leading to a rumor that the bank is failing!

When Vivian makes some comments about Lucy's baking ability, Lucy enters a baking contest to prove her otherwise. Lucy then swaps hers and Vivian's entries in the contest, which leads to a food fight!