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.