Karen McCoy (Kim Basinger) is released from prison with nothing but the clothes on her back. Before being incarcerated Karen was the bank robber of her time, but now she wishes for nothing more than to settle down and start a new life. Unfortunately between a dirty parole officer, old business partners, and an idiot ex-husband she will have to do the unthinkable in order to save her son (Zack English) and new heart throb J.T. (Val Kilmer): another job.