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Kaitlin Nest is wrapping up her shift as a bank teller when Tripp Kennedy asks her to break a $100 bill into a specific configuration of coins. The ordinary encounter unfolds just as a sudden, coordinated bank attack begins to unfold outside the routine banking day. The tension hints at a plan that will soon spiral beyond a simple transaction.

Three high-tech professionals—Darrien, Weinstein, and Gates—arrive with a bold, calculated plan. Two unmasked rednecks, Peanut Butter and Jelly, join the chaos with their own agenda. The trio targets the vault while the duo aims for the ATMs, setting up a chaotic, multi-front robbery.

A bystander named Jack Hayes is fatally shot in the crossfire, pulling Kaitlin and the others deeper into danger. Tripp throws himself into the fray and convinces the criminals to rob the bank concurrently, turning a single crime into a sprawling, simultaneous heist that traps hostages.

The trio locks Kaitlin, Tripp, and the other hostages in an upstairs kitchen, using the space as a makeshift hostage room. Peanut Butter and Jelly press on with their plan, attempting to breach the ATMs with large-scale explosives that prove ineffective under pressure.

Tripp escapes the kitchen through the ceiling and moves back into the bank to search for answers about Hayes’s murder. He begins to piece together the timeline and relationships, hoping to identify who killed the undercover agent and why. His covert movements set the stage for deeper investigations inside the bank.

Weinstein reveals that the bank's security system was deactivated and rebooted just before the criminals arrived. Tripp presses Mitchell Wolf, the bank's technician, who admits he sold intel about the reboot. Mitch has a panic attack and vomits, prompting Weinstein to fetch medication, revealing the fragility and tension among the conspirators.

Gates develops a casual rapport with Peanut Butter and Jelly as they compare their rankings among the FBI's most wanted bank robbers. The conversation includes Vicellous Drum, the top fugitive, hinting at a larger network pulling the strings. The exchange adds a layer of conspiracy to the heist.

Tripp learns that Hayes was an undercover agent carrying an FBI-issued gun. He deduces that Weinstein is responsible for Hayes's death. Tripp, Darrien, and Gates go to locate Weinstein, only to find Weinstein and Mitch both dead from gunfire, suggesting an internal confrontation gone wrong.

Darrien seizes a moment of escape and uses a blowtorch in a desperate attempt to break free. The blowtorch is rigged and triggers an explosion, killing Darrien instead of allowing a successful escape. The loss underscores the bank's escalating peril.

Tripp finds the clicker Darrien was seeking inside Weinstein's mouth, a grim clue suggesting that Weinstein had turned on his co-conspirators. The discovery intensifies the suspicion of inside betrayal and reshapes the trust dynamics among the criminals. The internal fracture of the plan becomes more evident.

Tripp learns that Vicellous Drum is the mastermind behind the coordinated heist and summoned all factions to the bank. He steals Jelly's gun and exchanges it for a similar fax that Drum and Gates received, uncovering a second message that confirms Drum's orchestration. A Swiss bank representative is found dead in a cupboard, also possessing a fax from Drum, deepening the conspiracy.

Tripp warns Gates that Drum is in the bank, but Gates detonates the final charges and breaches the vault anyway. The hostages witness the remaining criminals loading money while Mr. Clean, the security guard, acts erratically and is killed by Drum. Drum attempts to bribe the hostages, but they fatally shoot him, ending his plan.

In the aftermath, Tripp receives medicine from an ambulance while Rex discusses the robbery with the press and Madge speaks to management about compensation. Kaitlin loads what look like wedding gifts into her car, revealing large sums of money hidden inside. She confesses to being Alexis Black, the FBI's #3 most wanted bank robber, and proposes forming a new crime duo with Tripp that avoids murder, before the two drive off together.