The film follows two foster brothers, John (played by Wesley Snipes) and Charlie (played by Woody Harrelson), who both work as transit police officers in New York City. John is a responsible officer, while Charlie is more reckless and addicted to gambling. Despite their differences, the two share a close bond.
John and Charlie come up with a plan to rob the “money train,” a subway train that collects and transports millions of dollars in fares from various stations. They hope to steal enough money to pay off Charlie’s gambling debts and start fresh with their lives.
As they execute their plan, they face various obstacles, including interference from their supervisor, Lieutenant Patterson (played by Robert Blake), who is suspicious of their behavior. Additionally, their actions draw the attention of a vengeful former transit police officer, Donald Patterson (played by Chris Cooper), who is determined to stop them.
Meanwhile, John becomes romantically involved with Grace Santiago (played by Jennifer Lopez), a fellow transit officer who is unaware of his involvement in the heist. As tensions rise and the stakes get higher, John and Charlie must confront the consequences of their actions and decide where their loyalties truly lie.
In the climactic finale, John and Charlie carry out their plan to rob the money train but face a dangerous confrontation with Donald Patterson. Ultimately, they manage to escape with the stolen money but must deal with the fallout of their actions.
“Money Train” received mixed reviews from critics, with praise for its action sequences and chemistry between Snipes and Harrelson, but criticism for its implausible plot and lack of depth. Despite this, the film was a moderate box office success, grossing over $77 million worldwide.