They call him the In-and-Out-Bandit because meticulous thief Tom Carter (Liam Neeson) has stolen $9 million from small-town banks while managing to keep his identity a secret.

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But after he falls in love with the bubbly Annie (Kate Walsh), Tom decides to make a fresh start by coming clean about his criminal past, only to be double-crossed by two ruthless FBI agents.

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After spending nearly a decade robbing small banks and accumulating $9 million in the process, Tom has found himself retiring. Why? Well, after meeting a psychologist in training, Annie, who runs a local storage place, he falls in love.

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Leading to, for an entire year, Tom not doing a single robbery. But, with his crimes hanging over his head, he decides to call the FBI in hopes that, for returning all the money, and due to the fact he never physically harmed a soul, nor pointed a gun, when he stole money, he hopes he can work an amicable deal. One in which he does his time but isn’t in prison for the rest of his life.