The Bank Job
Updated July 2026
Joe, Colin, and Jason have done this a hundred times before — walk in, mask on, gun raised, out with the cash before anyone can react. It’s practised. It’s routine. It’s supposed to be easy.
But this time, something is different. As Joe watches the frightened people on the floor — a father’s photo on a desk, a wedding ring catching the light, a young cashier quietly comforting a terrified stranger — the job stops feeling like a job.
The Bank Job is a tense, character-driven short story about conscience, loyalty, and what it really costs to do the right thing — even when it’s too late to undo what came before. Perfect for sparking classroom discussion about morality, crime, and redemption.
This lesson has been fully updated for July 2026 and now includes:
- The complete short story, fully rewritten
- Comprehension questions after each section, plus a full Reading Comprehension test
- Synonyms exercise
- Antonyms exercise
- Words and Meanings exercise
- True or False exercise
- Gap Fill exercise
- Discussion Questions
- Role Play: The Parole Hearing
- Debate: Does Trying to Stop a Crime Deserve a Lighter Sentence?
- Writing activity
- Full answer keys throughout
- A complete Table of Contents
Level: B1–B2
Table of Contents
ToggleIntroductory Questions
1. Have you ever seen a film or TV show about a bank robbery? What happened?
2. Why do you think some people choose a life of crime?
3. Do you think criminals can truly change and become good people? Why or why not?
4. If you saw a crime happening, would you try to stop it? Why or why not?
5. Do you think people should still be punished for a crime even if they later regret it and try to do the right thing?
Listen to the Story
Watch the video below and listen as the story is read aloud. Pause after each section to answer the reading comprehension questions or discuss the story with your class.
The Bank Job
And we all charged in as one.
We had done this a hundred times before; we were well-practised at it.
Before we even got through the door, Colin grabbed my arm.
“Not like last time, Joe,” he said, his voice low. “You hear me? We can’t afford another mess-up.”
I nodded, but I didn’t say anything back.
Colin raised his shotgun and made sure all the people in the bank could see it.
“Ladies and gentlemen, this is a bank robbery. Everyone get on the floor and you will not get hurt. All the staff — out front now.”
He spoke calmly and quietly.
Jason, always good with technology, had disarmed all the alarms and cameras. And me, I stood at the door, keeping nosy people out and the customers and staff in.
This was a piece of cake.
“You,” said Colin, and pointed to a middle-aged man by a desk. “Give me the keys to the vault.”
The man faltered and tried to speak, but Colin approached him and waved the shotgun in his face.
“This is no time for heroics, my friend,” he said.
The man produced a set of keys, and Colin took them from him. As he reached across the desk, I caught sight of a small photo frame — two kids on a beach, squinting at the camera, grinning. The man’s hands were shaking so badly he could barely let go of the keys.
From behind me, Jason let out a laugh. “Sweet,” he said.
We had done all our homework on the bank. We knew exactly how much they had in the vaults. We would be raking it in.
I looked around at the people. They were all lying down on their fronts. Some peeked up at me and Jason.
We must have looked pretty intimidating with our masks on — I wore a grinning cartoon duck mask. Jason had a wide-eyed cartoon dog mask. And Colin was a sharp-toothed cartoon rat, because he was in charge, and it suited him.
Near the counter, a middle-aged woman lay with her hands trembling, a plain gold wedding ring catching the light. Beside her, a security guard stared straight ahead, jaw tight, like he was trying not to think about his family.
Just normal people trying to get on with life.
I almost said something then — I felt the words rise up in my throat — but I swallowed them back down.
Not yet. Not here.
I looked at the gun in my hand. It was loaded.
Would I use it if I had to? I don’t know. But it now looked so evil, so bad.
That’s when I noticed her.
One of the cashiers, a young woman, hadn’t lain all the way down like the others. She was on her knees beside the trembling older woman, one hand resting gently on her shoulder, murmuring something too quiet for me to hear.
Not defiant. Not brave in the way you’d expect.
Just steady. Kind and reassuring.
She looked up and caught my eye through the eyeholes of my mask.
She didn’t look afraid of me. She looked at me like she could see straight through the mask to whatever was left of the person underneath.
That look did something to me that the photo and the wedding ring hadn’t quite managed alone. It finished the job.
I turned to the side and placed the gun on a counter where people fill in forms.
Then I removed my mask.
The security guard looked up at me in amazement. He couldn’t believe what he was seeing.
Jason stared ahead at all the cashiers’ windows. He turned his head and saw me with my mask off.
“What — what are you doing?” he said. He stepped forward. “Put your mask on. Where’s your gun? What the hell are you doing?”
I shook my head at him.
“This is wrong,” I said. “This is all wrong. We shouldn’t be doing this.”
Jason called out to Colin. He didn’t say his name, of course. But he shouted out to him.
Colin rushed out from the door leading to the back of the bank. He saw me and stopped moving.
In a stage whisper, he spoke to me. “What’s wrong with you? Why have you taken your mask off?”
“I’m sorry, guys,” I said. “But this is all wrong. We should not be doing this to these poor people. Look at them. They’re decent, hard-working people.”
Colin came towards me in three large steps. He put his face close to mine. His rat mask grinning back at me.
“I knew it,” he said. “I knew you’d do this again. I told you — not like last time.”
“I’m not asking you to stop,” I said quietly. “Just me. I’m done.”
“This is madness,” he said. “This is completely insane.”
Then, in the distance, the sound of police car sirens.
Colin froze. Jason swore under his breath.
“Someone must have hit the silent alarm,” Jason said, panic rising in his voice.
Colin looked at me, then at the door, then back at me, calculating. For a second I thought he might use the shotgun on me instead. But he just shook his head, like I wasn’t even worth it anymore.
“You’ve ruined everything,” he said.
The sirens grew louder. Blue light flickered against the windows.
I didn’t run. I sat down on the floor, right where I stood, hands open in front of me.
The young cashier — Karen, I would learn her name was later, when the police were taking statements — stayed kneeling beside the older woman until it was over.
When the officers came through the door, Colin and Jason tried to bolt for the back exit but didn’t get far.
I was arrested too. Of course I was. Taking my mask off didn’t undo the first twenty minutes of the robbery, and I never expected it to.
But as they led me out in handcuffs, I heard Karen’s voice behind me, talking to one of the officers.
“That one,” she said, “he put his gun down. He tried to stop it. I want that written down.”
It didn’t change what happened to me. I still went to prison, same as Colin, same as Jason, a little less time.
But sometimes, in the exercise yard, I think about that look she gave me — like she could see past the mask — and I let myself believe that when I get out, someone might actually be waiting.
Reading Comprehension Questions
1. Who is the narrator of the story?
2. What warning does Colin give Joe before they enter the bank?
3. What does this warning suggest about Joe’s past behaviour?
4. What does Colin say to the people in the bank?
5. What is Jason’s role in the robbery?
6. What does Colin demand from the middle-aged man?
7. What does Joe notice on the man’s desk?
8. How does Jason react to the situation?
9. Describe the masks worn by Joe, Jason, and Colin.
10. What details does Joe notice about the middle-aged woman and the security guard?
11. What does Joe almost say, and why does he stop himself?
12. How does Joe’s view of the gun change in this section?
13. What is the cashier doing when Joe first notices her?
14. How does she react when she sees Joe?
15. What effect does her look have on Joe?
16. What does Joe do with his gun and mask?
17. How does Jason react when he sees Joe without his mask?
18. What reason does Joe give for his change of heart?
19. What does Colin’s reaction reveal about Joe’s past?
20. What does Joe mean when he says, “I’m not asking you to stop. Just me. I’m done”?
21. What sound interrupts the confrontation?
22. How does Colin react when he hears the sirens?
23. Why do you think Colin decides not to use his shotgun on Joe?
24. What does Joe do as the police arrive?
25. What happens to Colin and Jason when the police arrive?
26. Why is Joe arrested even though he tried to stop the robbery?
27. What does Karen tell the police officer about Joe?
28. Does Karen’s statement change the outcome for Joe? Explain.
29. How does the story end? What does Joe hope for the future?
Essential Vocabulary
charged in | well-practised | shotgun |
mess-up | calmly | disarmed |
alarms | nosy | piece of cake |
faltered | heroics | vault |
raking it in | intimidating | sharp-toothed |
wedding ring | jaw tight | trembling |
murmuring | defiant | reassuring |
eyeholes | amazement | stage whisper |
decent | hard-working | madness |
insane | calculating | ruined |
sirens | flickered | handcuffs |
bolt | statements | exercise yard |
silent alarm | panic | swore |
froze | caught sight of | squinting |
evil | kneeling | steady |
Vocabulary Practice Exercise
Follow the steps below to help you learn and remember new words and phrases more effectively:
Write each new word or phrase in your vocabulary notebook.
Look up the meaning of each word in your dictionary. Write a clear and simple definition next to the word.
Create your own sentence using the word or phrase correctly. Try to make the sentence meaningful and connected to your own life or experiences.
Examples
Charged in – rushed into a place quickly and forcefully, often as part of a group.
Example sentence: The firefighters charged in as soon as they saw smoke coming from the building.
Shotgun – a type of firearm with a long barrel, typically fired from the shoulder.
Example sentence: The farmer kept a shotgun locked away in case of trouble with wild animals on his land.
Why do this?
Doing this regularly will help you improve all areas of your English — reading, writing, speaking, and listening. By writing definitions and making your own examples, you are actively using the language, which helps it stick in your memory.
Discussion Questions
1. What kind of story is this? A crime story? A story about conscience? Both?
2. How does the story begin? Describe the scene and the characters involved.
3. What does Colin’s warning to Joe at the very start tell us about their history together?
4. How long do you think the three men have worked together? What other crimes might they have committed?
5. What role does each character play in the robbery? How are their skills useful?
6. Why do you think the writer chose cartoon animal masks (a duck, a dog, and a rat) for the three robbers? What might each animal suggest about the character wearing it?
7. What details does Joe notice about the hostages? Why do you think these details affect him so strongly?
8. How does Joe’s perspective change as the robbery progresses? What specific moments trigger this change?
9. Do you think Joe would have changed his mind without Karen? Why or why not?
10. How would you describe Karen’s personality, based on her actions in the story?
11. Why do you think Karen comforts the older woman instead of reacting with fear or panic herself?
12. Why does Joe decide to remove his mask and put down his gun? What moral dilemma is he facing?
13. How does Jason react when Joe takes off his mask? How does Colin react? What does this tell us about each of them?
14. What does Colin mean when he says, “I knew you’d do this again”? What does this suggest about Joe’s past?
15. Why does Joe say, “I’m not asking you to stop. Just me. I’m done”? What does this show about his character?
16. Why do you think Colin decides not to use his shotgun on Joe, even though he considers it?
17. Do you think Joe deserved to be arrested, even though he tried to stop the robbery? Why or why not?
18. What does Karen do for Joe after the police arrive? Why do you think she does this?
19. Does Karen’s statement to the police seem fair, given that Joe still took part in the robbery?
20. How do you think the story will continue after the final page? What might happen to Joe?
21. What do you think the final line of the story means: “someone might actually be waiting”?
22. Do you think Joe deserves a second chance? Why or why not?
23. What is the significance of the photo frame and the wedding ring that Joe notices during the robbery?
24. Reflect on the theme of conscience in this story. What makes someone change their mind about doing something wrong?
25. If you were in Joe’s position, do you think you would have made the same choice? Why or why not?
I think this is a kind of romance story. Or the beginning of one…
I have written some other romance themed story lesson plans. Take a look at the three examples below.
She came to be seen — and left having finally seen herself.
The phone was hidden for a reason — and so was he.
Before he let go, Stanley asked for one last dance.
You can download the full lesson plan by clicking the link below!
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I like this story. It is certainly interesting and has deeper connotations than what happens in the story itself. That would be good for class discussion. However, for political and cultural reasons, I believe it would be better for native speakers. Some countries are loathe to receive ‘Western Influence’ where something like a bank robbery would be unheard of. Perhaps that is because it would be a highly charged issue in countries where I’ve taught EFL.
Yes I think that definitely could be an issue to deal with. But I also hope that this is only seen as a story and is totally fictional. You do raise a very important point, and that is that in EFL the foreign teacher has to be very sensitive to the politics and culture of the country they are working in. Thanks for the great comment, Leona! Much appreciated!