Vice President Business Banking Manager at First Premier Bank, Scott Gullickson, made it a little easier.
He surprised customers at Lewis Drug and paid their bill.
Shopper Jan Flynn said, "It's a wonderful surprise. Very pleasant for the holidays, something very unexpected."
Gullickson said he was excited to see people's reactions.
First Premier Bank has been doing this good deed for a couple years now.
"They're wondering if it's real, if there's any string attached, anything like that. But we get all kinds of reactions from hugs, to sometimes a few tears. Obviously, everybody is happy in the end." Gullickson added.
As he warms others' hearts, his own swells a bit too.
"I thought it was great." He said.
The responses were varied from surprise, to appreciativeness, and a couple people were close to tears, but "I think they were tears of surprise and happiness." Gullickson said.