When troubled teen boy Stevie (Cameron Van Hoy) and his girlfriend, Rocky (Mischa Barton), attempt to rob a bank without any forethought, the situation rapidly deteriorates. Soon the young couple is holding bank customers and employees hostage, while law enforcement gathers outside. Daniel Bender (Burt Reynolds), a veteran negotiator for the FBI, is charged with assessing the crime scene and ending the standoff as quickly as possible, but Stevie's short fuse considerably complicates matters.
When troubled teen boy Stevie (Cameron Van Hoy) and his girlfriend, Rocky (Mischa Barton), attempt to rob a bank without any forethought, the situation rapidly deteriorates. Soon the young couple is holding bank customers and employees hostage, while law enforcement gathers outside. Daniel Bender (Burt Reynolds), a veteran negotiator for the FBI, is charged with assessing the crime scene and ending the standoff as quickly as possible, but Stevie's short fuse considerably complicates matters.