After a string of bizarre bank robberies in Southern California, with the crooks donning masks of various former presidents, a federal agent, Johnny Utah (Keanu Reeves), infiltrates the suspected gang. But this is no ordinary group of robbers. They're surfers -- led by the charismatic Bodhi (Patrick Swayze) -- who are addicted to the rush of thievery. But when Utah falls in love with a female surfer, Tyler (Lori Petty), who is close to the gang, it complicates his sense of duty.