Richy and Terri send a check to their son and daughter-in-law for their anniversary, but it never arrives. After a tough year of medical issues and the death of a close friend, they open a bank statement to see that their account is $10,000 short. They learn that a criminal has stolen their check from the mail, "washed" it, and fraudulently cashed it for big bucks. This sends the couple on a monthslong quest to try to get their money back.