Lou Diamond Phillips and Fred Gwynne team up with a gang of professional criminals who have everything it takes to rob a bank. The only things they do have going for them are a cop and his partner, who are dumber than they are! By the time the gang hits the bank vault, it's a safe bet there's going to be organized insanity and disorganized crime!

When his mother sends Jack off with money to buy groceries, he comes home with a magic supercharged dirt bike instead. His mother is furious, but when Jack uses the magic bike to save the local hot dog stand from the clutches of corrupt big business, he becomes the town hero.