Two gangs unwittingly attempt to rob a bank at the same time, catching innocent Tripp Kennedy (Patrick Dempsey) in the middle of the action. In the midst of the melee, Tripp saves bank teller Kaitlin (Ashley Judd), and together they scheme to stay alive and out of love. When the bank's security system goes into lockdown mode, the standoff pits crook against crook while Tripp and Kaitlin execute their plan.