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David Ghantt (Zach Galifianakis) is a clumsy and socially awkward, but basically honest and well-meaning armored car driver in Charlotte, North Carolina. He is engaged to the even more awkward and self-centered trailer park dwelling Jandice (played with a sort of catatonic glee by SNL's Kate McKinnon), but David has fallen for his fellow driver, Kelly Campbell (Kristen Wiig). Kelly lives (also in a mobile home) with an old friend named Steve Chambers (Owen Wilson) and his wife, Michelle (Mary Elizabeth Ellis). When Steve hears on the news about a recent Loomis Fargo robbery, he hatches a scheme to use Kelly's connection to David to get him to rob Charlotte's Loomis Fargo. Kelly is reluctant to play on David's affections, but she'd love to get a share of that money and David is tempted by the promise of a new life with Kelly down in Mexico. After Kelly "trains" David for the things that he'll have to do to commit the robbery (and how to possibly "live off the land" until it's "safe" for Kelly to join him in Mexico), and with the help of a few other down-on-their-luck (and none-too-bright) co-conspirators, the plan is all set.

How to Watch Masterminds Legally and Safely

If you want to stream Masterminds through reputable and legal services, there are a few good options depending on where you are. Subscription platforms like HBO Max, Disney+, Netflix, Amazon Prime Video, and Apple TV+ sometimes carry Masterminds films or related DC titles—though availability depends on your country.

If you’d rather not commit to a subscription, there are ad‑supported, free (but legal) platforms such as Tubi, Pluto TV, Peacock or Crackle (where available in your region) that occasionally host superhero films.

Lastly, don’t forget about library‑linked streaming options like Kanopy or Hoopla (if your library or university is registered), and official uploads by film distributors on YouTube—these can also give you legal access to classic movies.