| Director | Mark Williams |
|---|---|
| Budget | $30 million |
| Box office | $32.6 million |
Tom Dolan is a former US Marine demolitions expert. After years of service, Tom decides to use his knowledge and skills to become a bank robber. He successfully robs a string of banks, and becomes known to the public as the "In-and-Out Bandit". One day, while he is storing stolen money in a storage unit, he meets Annie Wilkins, a psychology graduate student employed by the storage facility. Unaware that the money is stolen, Annie helps him store the money, and the two of them hit it off and are soon inseparable.
A year later, Tom, wanting to live a life with Annie without the guilt of his past, calls the FBI and offers to surrender himself and the ill-gotten money to the government in exchange for a much more lenient sentence. FBI special agent Sam Baker agrees to meet with him the next day. However, tied up with other business, Baker assigns the case to lower-ranking agents John Nivens and Ramon Hall.
Nivens and Hall meet with Tom to take his statement, and Tom reveals the location of the stolen money, in the storage unit he had rented. The agents visit the storage unit, realize he was telling the truth, and decide to keep the money for themselves. They go back to the hotel to kill off Tom, but Tom reveals that they only have three million dollars, not nine. At this point, Agent Baker arrives at Tom’s hotel room. Nivens shoots and kills Baker with a 9mm, then points the gun at Tom, who charges at him. Tom and Nivens fall through the hotel window and land in front of Annie, who is on her way to visit Tom.
Tom and Annie drive away; Nivens and Hall keep shooting at them, and they barely escape safely. Tom then confesses to Annie that he had turned to bank robbery as revenge for his father's CEO's unfair treatment of him. (Tom’s father had become depressed after the death of Tom’s mother, and had later committed suicide.) Tom explains that once he’d started robbing banks he kept doing it because it was exhilarating. He advises Annie to board a bus to keep herself safe, which she does. However, unbeknownst to Tom, Annie gets off the bus near Tom’s storage unit, planning to pick up the storage unit's security-footage card. While she is at the storage unit, Nivens and Hall arrive; they too have come to pick up the security-footage card, to cover their tracks. Nivens knocks Annie unconscious and he and Hall leave. Tom soon finds her and rushes her to the hospital. When Baker's partner, Sean Meyers, attempts to arrest Tom, Tom explains everything and then escapes, managing to evade capture by Meyers. Driven by angst and suspicion, Meyers begins to notice discrepancies in Nivens' story.
Tom goes to Hall’s home, ambushes him there, gets him to reveal the location of the safe house, and gets the security-footage card from him. Hall warns Tom to get Annie out of the hospital before Nivens kills her, which he does. Tom then asks Annie for her help in getting the security-footage card to Meyers. Meanwhile, Nivens barely escapes a bomb planted to destroy his home, and makes his way to the safe house, expecting to find Hall there alone. To his surprise, Tom is also waiting for him there. When Nivens learns that Tom had already gotten the security-footage card from Hall and had arranged for it to be turned in to Meyers, he flies into a rage and murders Hall. Tom struggles with Nivens and is wounded, but manages to fight him off. Nivens takes the money and gets into his car to drive away. But Tom calls Nivens and tells him he can’t leave his car because there is a pressure-sensitive IED under his car seat. Nivens is forced to call the bomb squad and wait for them in his car. Meyers quickly arrives to apprehend Nivens; his car is searched; the stolen money is recovered; and it’s revealed that the IED is a dud.
Annie gives Meyers the rest of the stolen money (hidden in another storage unit) as well as Hall’s voice recording of Tom's confrontation with Nivens, in which Nivens admits to murdering both Baker and Hall.
Knowing that he must take responsibility for the bank robberies and for stealing the nine million dollars, Tom confesses and turns himself in. Meyers recognizes Tom’s integrity, admires his dedication, and gives him credit for exposing Nivens' illegal activities. He promises that he will do what he can to lessen Tom’s sentence, and muses that, under different circumstances, Tom would have made a terrific FBI agent.