Chandler is a member at the gym even though he doesn't go, but he can't quit because the dreamy spandex girl always changes his mind. Ross goes to the gym with Chandler to give him courage to quit. But when Maria appears, even Ross can't say no to a membership. Ross and Chandler eventually have a great idea to solve their problem: they decide to close their accounts at the bank so the gym can't charge them. At the bank, Chandler and Ross have no luck when the bank officer brings out a beautiful employee when they tell them they want to leave the bank, and as a result not only do they not close their accounts but end up opening a new joint account instead.