Agreeing to Accept Offer, before being given Offer?

Disclaimer: I have always assumed that everyone, in every interview, with every bank....simply tells the bank they are their top choice. Was I wrong?

In superdays I've had people (usually MDs) ask me, "If we give you an offer, will you accept it?"

My response has always been "YES, YOU ARE MY TOP CHOICE".

I now have 2 offers.....both from banks who this happened with. How do I handle this? I suppose it isn't as bad as reneging an offer I SIGNED WITH A SIGNATURE.

There's also a bank who never explicitly asked me if I was their top choice, but I could sense that they had doubts, so I voluntarily said at the end of the interview "You're my top choice; if you give me an offer, I will accept it."

What happens when I turn down their offer?

SUMMARY: I told 3 banks they're my top choice (in person during interviews), 2 when asked and 1 voluntarily.