Luther Spurlock, a crusty career criminal from South Georgia, is known in the criminal community as "the Cracker," a nickname he acquired as a safe cracker and tunneling expert. Recently paroled, he is approached to tunnel into a bank in Savannah, Georgia. As preparations get underway, Special Agent Hank Monroe with the Georgia Bureau of Investigation soon stumbles onto their plan. Thus begins a cat-and-mouse game between the GBI and Spurlock's gang that grows personal when Monroe learns that one of the men is a deranged former Army Ranger with whom he served years back. At the same time, Spurlock's life is further complicated by the arrival of a grown daughter he unknowingly fathered three decades before with the only woman he ever loved. While she causes him to ponder his decisions in his aging, stoic life she also introduces him to a new experience - the love between a father and daughter.