The copy was simple. Guy is out ona date, trying to impress a gal. The check comes at dinner and he looks in his wallet to find it is empty. Thank goodness there is a Circle K across the street where he can get some cash. He looks to the camera and says, "It also helps to have an ATM nearby."
I did it once embarrassed and then once finding it amusing. It was genius. (I also did it with the goatee, so we'll see where that gets me.)