This is one of those "the villain is smarter than everyone else" movies. Denzel Washington plays a detective, while Clive Owen plays a very smart bank robber.
Thrown into the mix are Jodie Foster playing an ultra-competant someone who does "special jobs" for big bucks and Christopher Plummer playing an ultra-rich mogul with a big secret he wants to stay secret.
A day into this bank robbery, Denzel Washington realizes that something is up and starts to take unusual measures to see if he's right. Owen's character is always in control and knows exactly what he's doing the entire time.
While the movie is clever, and there is lots interesting going on, in the end, I found that there were mixed messages, and criminals end up being glorified a little too much for my tastes. Also, the movie makers try to put a moral message in the movie with Christopher Plumber's character, but they never really get to it.
Still, worth watching, and quite fun. It gives you a few ideas on how you might rob a bank too, just in case you were interested. The big message for bank robbers - you have to be really, really smart, smarter than any of the cops. And, for God's sake, do your research, and you'll come out just fine.