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Tripp Kennedy (Patrick Dempsey) is bank teller Kaitlin's (Ashley Judd) last customer of the day, but before she can close up, the building comes under siege from two separate gangs, both looking to make off with some loot.
One mob, led by Darrien (Mekhi Phifer), is smart and slick, while their rivals, Peanut Butter (Tim Blake Nelson) and Jelly (Pruitt Taylor Vince), are little more than bumbling chancers. As the security system locks the bank down for the night, everyone remains trapped inside. Eccentric Tripp tries to instigate a truce, but could his meddling do more harm than good?