"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 "What's more memorable is the fun single "Goin' to the Bank." This 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."[3]