Young FBI agent Utah (Keanu Reeves) must track down a four-man bank robbery team who wear masks depicting the features of ex-US Presidents Reagan, Carter, Nixon and Johnson.

Suspecting them to be surfers, the agent sets about infiltrating the surfing community, and becomes a little too close to the adrenalin junkies to be objective. With Patrick Swayze as the main suspect, and Gary Busey as Utah's more experienced partner.