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From The High Llamas’ 1992 Santa Barbara album. Written by Sean O’Hagan. No capo.

 
VERSE 1:

CShe came Am7looking for Dm7comfort+E7
FComfort+ G7sus4from the G7counter +Cclerk+Dm7++G
CJoyce was Am7willing to Dm7help herE7
FShed some G7sus4light on G7something Cdark+Cmaj7++C7

 
CHORUS:

FmWe +B♭are+ E♭banking, Cm7banking on Fmkarma+B♭++E♭++Cm7
FCash+ B♭is the+ E♭no-no,+ Cm7it only Fmtaints +Cmthe+ B♭soul

Banking on Fm7karma+B♭7
Banking on Fm7karma+B♭7
Banking on Fm7karma+B♭7
Banking on Ckarma+B♭++C++B♭

 
VERSE 2:

CSunny+ Am7summer, southern Dm7England+E7
FFinds me G7sus4heading +G7for the Ctrack+Dm7++G
CGetting+ Am7something from the Dm7horses+E7
FThink I’ll G7sus4bring some G7karma +Cback+Cmaj7++C7

 
CHORUS:

FmWe +B♭are+ E♭banking, Cm7banking on Fmkarma+B♭++E♭++Cm7
FCash+ B♭is the+ E♭no-no,+ Cm7it only Fmtaints +Cmthe+ B♭soul

Banking on Fm7karma+B♭7
Banking on Fm7karma+B♭7
Banking on Fm7karma+B♭7
Banking on Ckarma+B♭++C++B♭

 
BRIDGE:

Now seFmcurity is tight
As the B♭counting starts toE♭night
That Fmguy is looking bent
Guess his A♭karma is all B♭spent

 
CHORUS/FADE:

We’re banking on Fm7karma+B♭7
Banking on Fm7karma+B♭7
Banking on Fm7karma+B♭7
Banking on Fm7karma+B♭7
Banking on Fm7karma+B♭7
Banking on Fm7karma+B♭7
Banking on Fm7karmaB♭7
We’re banking on Fm7karma+B♭7
Banking on Fm7karma+B♭7
Banking on Fm7karma+B♭7