Sixteen-year-old Nelson Potter is part of a bank robbing team with his father Sam — Nelson scouts targets for the group and acts as a hostage in their endeavors. Their accomplices include Tony and Lilly, a skilled martial artist and Sam’s current love interest. Wanting Sam all to herself, Lilly tries to persuade him to cut Nelson from the group, but Sam declines. When she overhears him insulting her afterwards, Lilly refuses to give Nelson his share of the money from their latest heist and viciously attacks Sam, leading Nelson to subdue her at gunpoint. With the partnership dissolved, Tony and Lilly leave the group. After stealing a new getaway car, Sam and Nelson continue on their own. Sam’s goal is to eventually steal enough money to pay for Nelson’s college education, although Nelson sees nothing wrong with robbing banks for a living. While robbing yet another bank in Utah, Tony and Lilly tip off the police from their hotel room across the street, and Sam is arrested. With Nelson deemed a runaway, Lilly and Tony rush to claim him at the police station, hoping to utilize him in their own robberies. However, a woman named Lorraine picks up Nelson first after learning about the attempted heist on television. She deftly evades Tony and Lilly in a high-speed chase and takes Nelson back to her home, where Nelson pleads for her help in breaking his father out of jail. With Lorraine at the wheel, Nelson successfully retrieves Sam, who reveals that Lorraine is Nelson’s biological mother, having lied to his son about her death for years so that Nelson would stay with him after their separation. Feeling betrayed, Nelson tells his father he can no longer trust him. The next evening, Tony and Lilly track down Lorraine at her workplace and follow her back to her home, where they kidnap Nelson. Using Nelson’s maps, atlas, and other resources, Sam and Lorraine deduce that his next target is not a bank, but instead the Salt Lake City Amphitheater. They race to confront Tony and Lilly, who have already robbed the venue by using Nelson as a hostage in a vest loaded with dynamite. After forcing Nelson into the back of their pickup truck at gunpoint, Tony and Lilly attempt to get away with Sam and Lorraine in hot pursuit. In desperation, Lilly attacks Nelson and throws him from the truck, leaving him dragging precariously behind the vehicle on a strip of chain link fence. With Lilly distracted by a police helicopter, Sam climbs aboard the truck and gets the upper hand against Lilly, knocking her onto the highway. He then forces Tony off the road, giving Nelson enough time to remove the bomb and plant it in the truck. While Sam reaches for the detonator, Tony attempts to run him over, but Lorraine rams into the truck with her car at the last second, sending it tumbling down a cliff where it explodes. As the three drive away to seek medical attention for Nelson, Tony is shown dangling helplessly from the face of the cliff, having survived the ordeal. Sometime later, Sam, Nelson, and Lorraine embark on a road trip to Canada, where they jokingly make plans for their next bank robbery.
