Jack Stanfield (HARRISON FORD) is a well-respected security expert at a Seattle-based bank who, along with his bosses Harry Romano (ROBERT FORSTER) and Arlin Forester (ALAN ARKIN), is helping his institution prepare for its takeover by another bank. That merger is being run by the steely Gary Mitchell (ROBERT PATRICK).
When Jack's day starts with helping his assistant, Janet Stone (MARY LYNN RAJSKUB), deal with a coworker who's enamored with her, as well as a visit by a debt collector who seems to have the wrong man, Jack isn't ready for what next occurs. And that's because a businessman he's just met, Bill Cox (PAUL BETTANY), is really the ringleader of a group of high tech bank robbers. Not only does Bill take Jack hostage, but his minions -- Vel (KETT TURTON), Liam (NIKOLAJ COSTER WALDAU), Pim (VINCE VIELUF) and Willy (VINCENT GALE) -- have also done the same to Jack's architect wife Beth (VIRGINIA MADSEN) and their kids, teenager Sarah (CARLY SCHROEDER) and her younger brother Andy (JIMMY BENNETT).
Reuniting the family at their home, Bill informs Jack that as long as he helps them with their heist, they won't hurt his family. Accordingly, Jack must return to work -- wired and watched so that he doesn't try to alert anyone -- and then figure out how to outwit Bill, his team and their seemingly perfect plan.