The Banker

Movie review by
Lynnette Nicholas, Common Sense Media
The Banker Movie Poster Image
'60s-set drama highlights housing, banking discrimination.
  • PG-13
  • 2020
  • 120 minutes

Parents say

age 11+
Based on 2 reviews

Kids say

age 12+
Based on 1 review

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A lot or a little?

The parents' guide to what's in this movie.

Positive Messages

Themes of teamwork, humility, courage, self-control. Messages of self-sufficiency and empowerment through entrepreneurship. Positive social activism through economic empowerment.

Positive Role Models & Representations

Bernard is a smart, ambitious man who believes in positive economic empowerment; he works hard, takes pride in taking care of his family. Joe Morris, though brash, is brave enough to pursue the life of his dreams. Characters don't fear hard work. Matt has compassion, empathy, heart. Eunice is a supportive wife to her husband in all areas of life. Many positive counter-stereotypes. People work together to accomplish goals in face of racist society.


Police use force during an arrest.


Comparison made between a man signing his first real estate deal and losing his virginity.


Crude/strong language includes "ass," "damn," "f--ing," "s--t," "bastard," "son of a bitch," and the "N" word. A grown man is called a "boy."


Exclusive clubs, high-profile financial deals, luxury cars, talk of money and economic empowerment.

Drinking, Drugs & Smoking

Adults drink and smoke both cigarettes and cigars. It's a part of a character's "training" to drink whiskey. A character appears to get drunk and starts to slur his speech. An adult drinks alcohol casually/habitually in the middle of the day.

What parents need to know

Parents need to know that The Banker is a 1960s-set drama about two of America's first Black bankers. It deals with racism frankly, including discriminatory banking practices and housing segregation. Violence and sex are minimal, but you can expect strong language, including "ass," "s--t," "f--k," and racial epithets like the "N" word. Adults drink (one often, in the middle of the day) and smoke cigarettes and cigars. The film highlights racial discrimination in a fair manner, while showing how classism and racism affect not just Black people, but poor and working-class White people, too. Themes include teamwork, humility, courage, and self-control, and messages touch on social activism, economic empowerment, providing opportunities in marginalized communities, and systemic oppression. Anthony Mackie and Samuel L. Jackson co-star.

User Reviews

  • Parents say
  • Kids say
Adult Written byMoviereviewer2020 April 12, 2020

Amazing educational history!

This movie is absolutely amazing! It had comedy, history, and great actors! I loved it and learned a lot, especially about banking ( I knew nothing about it bef... Continue reading
Adult Written byThe movie guy12345 March 20, 2020

Good film

It is a good movie for the whole family but it might be over the younger kids head. They say keep your f Ing head down but don’t say the real word.
Teen, 17 years old Written byZknight March 25, 2020

Smart drama flick which is also a true story!

I thought the movie was really good. It didn’t exceed my expectations, but didn’t leave me disappointed. It doesn’t contain any violence or other inappropriate... Continue reading

What's the story?

THE BANKER is based on the true story of Black businessmen/entrepreneurs Bernard Garrett (Anthony Mackie) and Joe Morris (Samuel L. Jackson). In the 1960s, they came up with a risky plan: hire working-class White man Matt Steiner (Nicholas Hoult) to pretend to be rich and privileged -- and serve as the faux head of their own substantial real estate and banking business empire. (They, in turn, posed as a janitor and chauffeur.) Bernard, Joe, and Bernard's wife, Eunice (Nia Long), train Matt on their business affairs. Things go well until their prosperity gains the attention of the federal government, and they risk losing it all. 

Is it any good?

The Banker does an excellent job of showcasing America's legacy of housing and banking discrimination. Overall, the film is solid: The casting is good, and the writing, the cinematography, and the themes work well together. The storyline succinctly conveys the psychological dilemma of what it was like for Garrett and Morris to be living ahead of their time. Double-consciousness is a major theme, further providing a glimpse into the lives of upper-middle-class Black Americans. The words of the great novelist, poet, and playwright Paul Laurence Dunbar best describe the plight of people like Bernard, Joe, and Eunice, who felt they had to hide their true identities to thrive in a racist society. As Dunbar's poem "We Wear the Mask" says: "We wear the mask that grins and lies, it hides our cheeks and shades our eyes, this debt we pay to human guile; with torn and bleeding hearts we smile ... "

The themes of The Banker hit home without being overly racially charged or preachy. Capitalism is portrayed positively, with messages about ideas of using material gain to benefit others, the importance of property ownership, and the value of entrepreneurship throughout. Mackie is superb as Bernard, and Hoult brings a believable innocence and compassion to the role of Matt Steiner. Long does a fine job as the sophisticated Eunice, and Jackson brings flair and a much needed exuberance to scenes full of talking about real estate and banking. Bottom line? This movie cleverly highlights the power of teamwork and collaboration and shows that sometimes help can come from unlikely sources.

Talk to your kids about ...

  • Families can talk about the Fair Housing Act of 1968. What was it intended to accomplish? Do you think people of color are still discriminated against when looking to rent or buy property?

  • How do Bernard and Joe defy negative stereotypes about Black men? How does that contribute to positive representation in the media?

  • Racism, classism, and internalized superiority are all present in the movie. In what ways do these realities lead to humility, self-control, and perseverance in the lives of Matt, Joe, Bernard, and Eunice?

  • Toward the end of The Banker, there's talk about the American Dream. Is that a real or imagined thing? Do you think that in America, everyone has equal access and a fair chance of achieving the American Dream? 

Movie details

Our editors recommend

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