Bank or bunk?

"Once you open an account, we make a deposit. What sort of a bank does that?" asked the thick blue envelope in garish green print.

"A bank that is about to go bust", was the immediate and obvious answer, followed by a swift Azhar* into the corner dustbin.

*An Azhar is backward flick of wrist in the general direction of something that is behind you. Named after that skilled executioner of leg-side play, Azharuddin. A tremendous fielder, he used to frequently grab the ball and flick it at the stumps while his back was turned away. Later, he learnt to do a few more things while other people's backs were turned away.