Ray Winkler is a meek, addle-brained ex-convict who decides to rob a bank to support the spending habits of his ex-stripper, New Jersey wife, Frenchy. To do so, Ray and his inept accomplices, Denny, Benny and Tommy, rent a vacant store next to a bank and set up a false storefront with the hopes of tunneling from the basement into the bank. While they bumble below ground trying to avoid water mains and other subterranean hazards, Frenchy turns the store upstairs into a thriving cookie shop. Suddenly the Winkers find themselves richer than they could ever imagine and rising up the social ladder at a speed that does not quite fit their tastes.