Several years ago, Chris Pratt (JOSEPH GORDON-LEVITT) was the carefree star of his Kansas high school and its hockey team. Now, however, he's the nighttime janitor at a small bank, thanks in part to the long-lasting effects of a head injury he suffered in a car crash he accidentally caused back then. Still feeling guilt over the deaths of several friends and unable to focus for long on anything, he must rely on written lists to get through every day.
This hasn't gone unnoticed by Gary Spargo (MATTHEW GOODE), a former classmate who feels sorry for Chris, befriends him, and hooks him up with Luvlee (ISLA FISHER), an alluring former dancer with whom he quickly becomes intimate. That doesn't escape the attention of Chris' blind roommate Lewis (JEFF DANIELS) who's immediately suspicious of her intentions.
Unbeknownst to him, she and Gary are luring Chris into their criminal fold with the intent of using him to gain nighttime access to the bank where he works. Chris is initially reluctant, but Gary eventually persuades him that whoever has the money has the power. From that point on, and realizing they must have Chris deal with Deputy Ted (SERGIO DI ZIO) who stops by every night to check on the janitor, Gary and his gang try to pull off their heist, all as Chris tries to figure out if he's doing the right thing.