In this heist comedy, Tripp Kennedy (Patrick Dempsey) walks into a bank near closing time only to find himself in the middle of a robbery - actually, make that two robberies, going on at the same time. With the gangs - one made up of pros and the other of buffoons - deadlocked in a Mexican standoff, Tripp intervenes to keep the peace, tackling smart, pretty teller Katilin (Ashley Judd) in the process. As the night evolves, a cat-and-mouse game ensues as Tripp and Kaitlin try to save the day, escape being killed, and avoid falling in love . . . almost.