Lucy's attempt to withdraw money from the Danfield bank hits a snag when she discovers that Mr. Mooney has taken over the job held by Mr. Barnsdahl. His idea of economizing forces Lucy to cut corners financially, including giving her son a haircut. Jerry lets his mother practice on his friend first, which was a good idea since he ends up with a Mohawk hairdo. After finding out that he is the son of Mr. Mooney, Lucy feels she should apologize in person. A series of mistakes finds Lucy and Mr. Mooney locked in the bank's vault.