Words and music copyright 1998 by Steve Brooks

Well, some men'll rob you with a fountain pen -
Banks have got an urge to merge.
Others will rob you with an ATM -
Banks have got an urge to merge.
To get their hands on your account,
They'll buy up your local bank and shut it down
And be the only game in town.
Banks have got an urge,
Banks have got an urge,
Banks have got an urge to merge.

It's a blatant case of money lust -
Banks have got an urge to merge.
They ain't afraid of antitrust -
Banks have got an urge to merge.
If they break the law, they ain't ashamed.
They'll just pay a congressman to get it changed,
'Cause money is the name of the game, when
Banks have got an urge,
Banks have got an urge,
Banks have got an urge to merge.

From NationsBank to Citicorp -
Banks have got an urge to merge.
Gonna serve the rich and stiff the poor -
Banks have got an urge to merge.
They're gonna redline you, redline me.
Tough luck being a minority,
All the while charging us higher fees.
Banks have got an urge,
Banks have got an urge,
Banks have got an urge to merge.

You can read it on the business page -
Banks have got an urge to merge.
They pay themselves the maximum wage -
Banks have got an urge to merge.
First they merge, then afterwards,
The unemployment line is bound to surge,
'Cause then they have the urge to purge.
Banks have got an urge,
Banks have got an urge,
Banks have got an urge to merge.