Karen Mc Coy is an expert cat burglar who is intent on retiring when she is let out of jail. However although her only goal is to be re-united with her young son, Patrick, she soon discovers that her ex-husband has denied her access. Karen is unable to find legitimate work & is offered the chance to do one last job for the villainous Jack, who has kidnapped her son to help persuade her. With no choice Karen teams up with the handsome but useless hold-up guy, J.T. Barker, & together they plan to break into America's most secure bank.