James (Hayden Christensen), a man with nothing to lose, owes his life to his older brother Frankie (Adrien Brody), who took the rap for a crime they did together. While Frankie served time, James worked to turn his life around, he manages to get a job as a mechanic, and begins courting his girlfriend Emily (Jordana Brewster), a police dispatcher. Now, Frankie is released and back on the streets and pulls his brother into a heist to serve as wheel man. American Heist 2014 full
Initially James refuses. The heist is planned by Frankie’s associates Sugar and Ray whose anti-banking rhetoric, violent streak, and elaborate planning have James unwilling to participate. He instead suggests the brothers break ties and flee. Frankie is unable to do this because he is indebted to his associates from his time in prison. During the beginning of his incarceration Frankie admits that he suffered sexual abuse and humiliation until he fell under the protection of Ray and Sugar, and alludes that he would likely not have survived without them. Frankie also informs James that he had mentioned Emily to them as their friendship developed, and alludes she may be in danger if James does not participate in the heist. The brothers spend the next few days bonding, and James tearfully ends his relationship with Emily, hoping to put distance between them.
On the morning of the robbery, the crew is met by a fifth member, Spoonie, who helps initiate several distractions around the city. They then enter the bank planning to gain access to the vault with access codes obtained earlier. The heist proceeds as planned until an eyewitness walking towards the bank sees Frankie through a window and then notices James parked in a car. She flees to a nearby store to call the authorities.
As sirens close in, James enters the bank to inform the group that they have less time than planned. As they begin to move Spoonie is nowhere to be found and it becomes apparent that he had taken the getaway vehicle and fled, stranding them in the bank as police take positions around it.