Tripp Kennedy (Patrick Dempsey) ambles into a bank near closing time, just as two different gangs unwittingly converge to rob it. A shoot-out erupts, and Tripp tackles the smart pretty teller, Kaitlin (Ashley Judd), to protect her. The gangs, one clearly made up of pros and the other a couple of buffoons named Peanut Butter (Tim Blake Nelson) and Jelly (Pruitt Taylor Vince), have deadlocked themselves in a mexican standoff. The bank's security systems start the end-of-day lockdown and seals everyone into the building. As the night evolves, a hilarous game of cat and mouse ensues as Tripp and Kaitlin try to save the day, escape being killed, and avoid falling in love... almost.