The drug kingpin on the phone with Carl instructs him to transfer the money five minutes before closing time, just as Joe tells Dawn to make the bomb-threat call to the bank five minutes before it closes.
The scene where Joe (Beatty) tells Dawn (Hawn) there has never been such a robbery as what he is planning is a homage to the scene in Double Indemnity when the insurance investigator, Edward G. Robinson, lectures his boss that there has never been an instance of someone committing suicide by jumping off the back of a slow-moving train.