Tripp Kennedy 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, to protect her. The gangs - one clearly made up of pros and the other a couple of buffoons named Peanut Butter and Jelly - have deadlocked themselves in a Mexican standoff. The bank's security system starts the end-of-day lock down and seals everyone into the building. As the night evolves, a game of cat and mouse ensues as Tripp and Kaitlin try to save the day, escape being killed, and avoid falling in love . . . almost.