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Step right up.

Come and get your money.

Free money.

Easy money.

Don't worry, there's plenty for everyone.

Every bank, that is.

Welcome, everyone. I'm Neil Cavuto.

And here's the deal.

Offer someone free money with no strings attached, they'll attach themselves to a conga line to get to you and your money.

Nine of this country's largest banks have already proved that, wasting barely a nano-second to scoop up 150 billion bucks of this largely free dough...Which has become the new play dough for the financial set...Because after getting it, they're, well, "set."

Through the weekend and today, much smaller banks have not been one bit shy about taking some of that rescue dough Uncle Sam's been promising.

PNC Financial, Fifth Third Bank, SunTrust, Northern Trust, Capital One Financial, Regions Financial...By my math, these middling guys are hardly piddling beggars.

Together they nabbed about 20 billion bucks of government money.

Our money.

And what do they have to do "with" that money?

Nothing.

Not a thing.

Sure, the understanding -- the hope -- is that they lend that dough out.

But there's no law that says they have to.

Nothing in the fine print that says there's hell to pay if they refuse to.

You know why?

Because there is no fine print.

And there is no punishment.

And there is no proviso.

Or hell to pay.

There's nothing to pay.

Not a dime.

This is the closest thing to a deal that's too good to be true, because it "is" too good to be true.

For banks that still won't lend.

And now profit handsomely simply hording cash rather than take a dollar of our dough "to" lend.

No wonder they're lining up at the federal rescue desk like me at a Ponderosa buffet.

The eatin's good. The meal's for free.

And we're the one's picking up the tab.

Without the slightest indication these guys will ever, ever return the favor.