Get ready for a full dose of suspension of belief...
Spoilers ahead:
Cuz the writer/producers amongst several other things in the move, want you to believe that three able body young adults can be held at bay in an ATM by an unarmed parka wearing individual. And yeah not one of the aforementioned able body young adults have a cell phone; they all conveniently left them in the car. I can go on and on, just be ready to not take this film too seriously.