Tripp Kennedy (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 (Judd), to protect her. As the night evolves, a hilarious game of cat and mouse ensues as Tripp and Kaitlin try to save the day, escape being killed, and avoid falling in love . . . almost.