Plot: Johnny Utah (Keanu Reeves) is a Special Agent for the F.B.I. Utah gets partnered with Angelo Pappas (Gary Busey), an experienced Agent, who is more than committed to his work. The two are asked to investigate the number of robberies committed by a group called The Ex-Presidents, who wear masks of former Presidents Reagan, Nixon, Carter, and Johnson for their robberies. Pappas has a theory that The Ex-Presidents are a group of surfers, and asks for Utah to go undercover as a surfer. The problem is, Utah couldn't surf to save his life. That, plus the two continuously being hassled by unpleasant and rough Agent Harp (John C. McGinley). With the help of Tyler (Lori Petty) a competent female surfer, Utah begins to gain the respect of local surfer Bodhi (Patrick Swayze) and his group. Utah forms a close bond with Bodhi, but the relationship between Utah and Bodhi becomes limited when Utah suspects that Bodhi and his group are The Ex-Presidents.
Alternative Plot: 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.
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