With the intention of helping his parolee get a loan, Henry, along with Paige, go to a bank but instead the parolee decides to take everyone at the bank hostage. Meanwhile, Phoebe and Piper have their hands full when, during his third birthday party, Wyatt turns three of his toys into real people.

Coop comes to the conclusion that he has fallen for Phoebe but she'd rather spend her life with a mortal. Meanwhile, Piper is on the hunt for killer demons; Paige finds it hard balancing life as a Charmed One with that of a married woman.

In an attempt to destroy the reputation of the Charmed Ones, Billie & Christy resort to trying to make the magical community see that the Halliwells only care about themselves. Meanwhile, Phoebe begins to lust after Coop; Paige cannot hear her charges' call for help; Piper becomes the perfect 1950s housewife.