Free isn't always a good thing, especially when it's a freaky ventriloquist dummy that is demon possessed and turn you into the puppet who does its nefarious bidding. At least I'm assuming that will happen once the guy gets it home.
I love the premise of the spot, but I wish the woman were casted differently or at least delivered the line differently. When the man asks her "What's wrong with it," and she answered "Nothing," I wanted to hear a bit more hidden pain and fear in her voice.
Either way considering this is a spot for a bank, it's still a mile ahead of the other work in its category.