Set It Off (1996) Timeline Explained – Every Event in Order

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1. 1

   Frankie is fired after the bank robbery

   Frankie is fired from her job following a neighborhood bank robbery because a robber is identified from her area. Detective Strode uses the incident to insinuate she was involved, starting a formal investigation. The mounting suspicion pushes Frankie toward making changes with her friends.

   When

   shortly after the robbery

   Where

   Los Angeles

2. 2

   The friends take menial work at Luther's

   Frankie and her three best friends take low-paid janitorial jobs at Luther's Janitorial Services. Luther treats them with disrespect and pays them poorly, fueling resentment. The new routine keeps them in the same circle and sets the stage for future plans.

   When

   soon after firing

   Where

   Luther's Janitorial Services, Los Angeles

3. 3

   Plans for a bank robbery take shape

   Facing mistreatment, Frankie proposes a bank robbery to her friends. Cleo agrees, but Stony and T.T. hesitate. Their discussion plants the seed for a crime that will redefine their lives.

   When

   shortly after planning begins

   Where

   Luther's Janitorial Services, Los Angeles

4. 4

   Tragedies push them toward crime

   Stevie, Stony’s brother, is shot by police after a mistaken identity. At the same time, T.T.'s son is taken by Child Protective Services after being poisoned at work. These events galvanize the group and push them to join the robbery.

   When

   concurrent with the early planning

   Where

   Los Angeles

5. 5

   T.T. and Stony commit to the plan

   In light of the tragedies, T.T. and Stony decide to join the robbery, moving from hesitant to active participants. Frankie, Cleo, and the others now have a four-woman crew ready to act.

   When

   soon after the tragedies

   Where

   Luther's Janitorial Services, Los Angeles

6. 6

   Stony falls for the bank manager

   While casing a bank with T.T., Stony develops a romantic connection with Keith Weston, the bank’s manager. The relationship adds a personal edge to the looming crime and complicates the crew’s dynamic.

   When

   during the bank casing

   Where

   Downtown Los Angeles bank

7. 7

   A string of successful robberies begins

   The four women begin a series of bank robberies, leveraging Frankie’s insider knowledge of bank procedures. They pull off several raids with growing confidence, and law enforcement struggles to connect the dots.

   When

   in the weeks after planning

   Where

   Los Angeles banks

8. 8

   Investigation tightens without arrests

   An LAPD investigation is launched. Detective Strode suspects Cleo for prior convictions, Frankie for the earlier firing and connection to the case, and Stony for her brother’s death, but he lacks enough concrete evidence to arrest anyone.

   When

   during the investigation

   Where

   Los Angeles

9. 9

   Loot is stashed and a new boss appears

   For safety, the crew stashes their loot in an air vent at one work site. They soon learn there is a new boss overseeing their janitorial work, and they realize Luther has discovered the loot and fled with it.

   When

   after the first robberies

   Where

   Work site air vent; Luther's whereabouts

10. 10

    Luther is confronted and dies; trust fractures

    The crew discovers Luther has become a liability and the money’s fate is in jeopardy; T.T. shoots him dead when he threatens them. Cleo is questioned by Strode but uses intimidation to avoid identification. Stony grows disillusioned with her partners.

    When

    shortly after Luther's murder

    Where

    Motel/LA

11. 11

    Final prelude: planning one more heist

    The four plan one final robbery to secure their future and protect Keith’s safety. Stony asks Keith to meet at a cafe on the far side of town to avoid revealing their criminal plans.

    When

    before the final heist

    Where

    Downtown Los Angeles vicinity; cafe

12. 12

    Downtown Federal Bank heist

    They execute the Downtown Federal Bank heist, stealing more money than anticipated. Detective Strode and his partner arrive on the scene and demand surrender, escalating the danger.

    When

    the night of the heist

    Where

    Downtown Federal Bank, Los Angeles

13. 13

    The casualties of the heist unfold

    A bank guard mortally wounds T.T. from behind, and Stony returns fire to cover their escape. T.T dies in Stony’s arms as they flee, and Cleo attempts to elude capture in the ensuing chaos.

    When

    during the aftermath of the heist

    Where

    Downtown Federal Bank area

14. 14

    Cleo dies in a police chase

    Cleo leads a high-speed chase, is cornered, and dies in a police shootout after crashing through a barricade. Ursula, her partner, mourns the loss as she watches the chase on television.

    When

    after the chase begins

    Where

    LA streets

15. 15

    Frankie is killed by Strode's men

    Detective Strode locates Frankie and orders surrender. Frankie defies him, but Strode’s men shoot her in the back, ending her involvement in the spree. Stony watches Frankie’s death from a passing charter bus.

    When

    immediately after confrontation

    Where

    Los Angeles

16. 16

    Stony heads to Mexico

    Stony, now hiding among a tourist group, escapes to Mexico while mourning her friends. She calls Keith to reassure him she’s safe, and a smile crosses his face as he realizes she’s leaving the city behind.

    When

    after Frankie's death

    Where

    Mexico

17. 17

    Finale: Stony begins anew in Mexico

    In Mexico, Stony cuts her hair, mourns the losses, and contemplates her future. She drives off with half the money from the spree, signaling a fresh start amid the memories of those she left behind.

    When

    at the end

    Where

    Mexico