Tripp (Patrick Dempsey) has been trying to catch the eye of pretty bank teller Kaitlin (Ashley Judd), and he thinks he's come up with just the thing to get himself noticed -- he shows up just as the bank is about to close for the day and asks her to break a hundred-dollar bill into loose change. But Tripp's attempt to meet cute goes wrong when two different sets of thieves invade the bank at the same time. Three are savvy criminals (Mekhi Phifer, Matt Ryan, and John Ventimiglia) who have carefully worked out a plan for clearing out the vault, while the other two (Tim Blake Nelson and Pruitt Taylor Vance) are half-bright rednecks who intend to crack open the ATM machines and take the cash inside. Before long, both teams of crooks are trapped in the bank and find themselves constantly in each other's way, while Tripp is trying to find a way to protect Kaitlin and himself while foiling the robbers, though the fact he's delusional and has stopped taking his medication is making things rather complicated.