The context of the following conversation is Addison put a lot of their money into a bank so they could get it later.:
Addison says I don't think I've ever put so much money into the bank before..
The friend responds That's what banks are for, right?.
Addison responds I'm planning to use the money later. This is just for safe keeping..
The friend responds You better hope nobody got a hold of your bank card information, or you could use your money before you even get to spend it!.