It is unwise to commit a crime for the sole intention of impressing your significant other. Unfortunately, no one explained that to David Ghantt before he used his position as vault supervisor with Charlotte, N.C.’s Loomis, Fargo & Co. to rob the company of $17 million in 1997.

A disposable pawn in a ridiculous scheme that included several other inexperienced players — an event that would become known locally as “the hillbilly heist” — Ghantt took a portion of the money and fled to Mexico, trusting the others to cut him in later. That didn’t happen. Instead, the naive fall guy befriended a hit man his colleagues sent to kill him. And according to the latest comedy from “Napoleon Dynamite” director Jared Hess, he did it all for love.

“Masterminds” tells a softer, sweeter version of the truth, of course. Here, Ghantt (Zach Galifianakis) is a simple, Strength Shoe-wearing man with a bell-shaped haircut, a job that bores him, a fiancée (Kate McKinnon) he dislikes, and a crush on co-worker Kelly Campbell (Kristen Wiig). Campbell’s friend Steve Chambers (Owen Wilson) plans the heist and uses Campbell to entice Ghantt into doing it as financial insurance for their future as a couple.

See Video: Zach Galifianakis' 'Masterminds' Finally Has a New Trailer, Signaling Relativity's Return

The eventual robbery is captured on a Loomis security camera, complete with a goofy victory dance by Ghantt (and yes, that really happened); an inept hitman (Jason Sudeikis) is hired to remove Ghantt from the equation; and the rest of the group blows its cover with extravagant, tacky spending sprees. Enter a determined FBI agent (Leslie Jones, given not very much to do). Crime solved.

Movie-Ghantt is shown as dumber and more absurd than he probably is (though Real-Ghant’s consultant position on the film suggests that he’s fine with that), and, curiously, much more inclined to rob an armored car service for the sake of a woman than as a response to working class poverty. When his fellow robbers ship him off to Mexico with $20,000 stuffed into his underwear, he says, “Twenty grand’s good; where I come from that’s a year’s salary.” With audience-friendly wackiness at stake, it’s the beginning and the end of the film’s commentary on downward mobility in the United States.

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Instead, “Masterminds” seeks to romanticize its amateur criminals. The script by Chris Bowman and Hubbel Palmer (“Middle School: The Worst Years of My Life”), and Emily Spivey (“Saturday Night Live”) hews close to real-life incident, but it’s that near adherence to truth that forces the film to rely on grotesque characterizations and slapstick stunts for laughs.

Hess is just the filmmaker for this sort of thing. His frame (competently executed by cinematographer Erik Wilson, “Paddington”) is brightly colored and full of goofy details, all in the affectionate service of his cast. He’s enamored of walking human oddities he can warm up to something almost adorable, and the “SNL”-stocked ensemble is more than ready. Galifianakis, especially, is capable of Full Weirdo in his sleep at this point, as are Wiig and Sudeikis, and their performances are familiar, if not distinctly memorable.

That job falls to Kate McKinnon, a woman who steals scenes, just as she did in “Ghostbusters,” with a wild-eyed and immensely appealing unpredictability. When asked why she’s marrying Ghantt, she recounts the story of meeting him at her boyfriend’s funeral. “That one’s dead. This one’s alive. I’ll take the live one.”

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“Masterminds” is kinder to its characters than most comedies about the bumbling and under-educated, and that’s Hess’s strength. His films are stocked with wildly idiosyncratic human beings who long for something just out of their reach, and he can’t bring himself to be cruel to them. If the results are more gently amusing than hilarious, he seems fine with that.

It’s a friendly movie that exchanges belly laughs for occasional chuckles, seemingly out of a sense of loyalty to tell his real-life characters’ story the way it nearly happened. But you can tell Hess truly wishes they’d gotten away with it, and if he’d invented them himself, they might have.

25 Fall Movies We're Dying to See: From 'The Birth of a Nation' to 'Rogue One' (Photos)

Fall Preview 2016: TheWrap picks the movies you need to see before the year's end, from superhero films to critically acclaimed indies.
"The Light Between Oceans"
Cast: Michael Fassbender, Alicia Vikander, Rachel Weisz
Director: Derek Cianfrance
Release Date: Sept. 2
What it's about: A lighthouse keeper (Fassbender) and his wife (Vikander) rescue a baby girl who washes up in a rowboat and unofficially adopt her. When the girl grows older, an encounter with a certain woman on the mainland threatens to break up their happy life.
Why we're dying to see it: This is the movie that started the real-life Fassbender-Vikander romance. We have to see the chemistry that unfolds between them on screen.

DreamWorks
"The Magnificent Seven"
Director: Antoine Fuqua
Cast: Denzel Washington, Chris Pratt, Ethan Hawke
Release Date: Sept. 23
What it's about: A remake of the classic Western about seven outlaws as they help a town under siege by an industrialist villain.
Why we're dying to see it: It's an A-list remake that showcases some good diversity. Plus Antoine Fuqua directed "Training Day," in which Denzel Washington won an Academy Award for Best Actor.
Columbia Pictures
"Queen of Katwe"
Director: Mira Nair
Cast: Lupita Nyong'o, David Oyelowo, Madina Nalwanga
Release Date: Sept. 23
What it's about: A biographical drama about Phiona Mutesi, a Ugandan chess prodigy who earned Woman Candidate Master at the World Chess Olympiads.
Why we're dying to see it: It's an untold story of a Ugandan chess player who grew up in the slum of Katwe. Rarely do we get to see feel-good stories about Africa on the big screen.
Walt Disney Pictures
"The Girl on the Train"
Cast: Emily Blunt, Rebecca Ferguson, Haley Bennett
Director: Tate Taylor
Release Date: Oct. 7
What it's about: The story follows a recently divorced woman (Blunt) who fantasizes during her daily commute about the seemingly perfect couple who live in a house that her train passes every day, until she sees something shocking and becomes entangled in a mystery.
Why we're dying to see it: It's based on Paula Hawkins' best-selling novel and has the same feel as "Gone Girl."
Universal Pictures
"The Birth of a Nation"
Cast: Nate Parker, Armie Hammer, Mark Boone Junior, Gabrielle Union
Director: Nate Parker
Release Date: Oct. 7
What it's about: Parker stars as the 19th-century slave Nat Turner, who was taught to read the Bible to preach to fellow slaves but wound up leading a famous rebellion in 1831.
Why we're dying to see it: Parker's directorial debut was phenomenon at Sundance, where it was bought for a festival-record $17.5 million.
Fox Searchlight Pictures
"Kevin Hart: What Now?"
Cast: Kevin Hart
Director: Leslie Small
Release Date: Oct. 14
What it's about: A stand-up comedy film that features his performance from the recently concluded "What Now?" tour.
Why we're dying to see it: It's been five long years since his last stand-up film, "Laugh at My Pain."
Universal Pictures
"A Monster Calls"
Cast: Liam Neeson, Sigourney Weaver, Felicity Jones
Director: J.A. Bayona
Release Date: Oct. 21
What it's about: A young boy deals with a terminally ill mother and bullies at school with the help of an ancient monster tree (voiced by Liam Neeson).
Why we're dying to see it: Patrick Ness' fantastical children's novel, based on an idea from a woman with terminal cancer, was adapted for the screen by Ness himself.
Focus Features
"Doctor Strange"
Cast: Rachel McAdams, Benedict Cumberbatch, Benedict Wong, Mads Mikkelson, Tilda Swinton
Director: Scott Derrickson
Release Date: Nov. 4
What it's about: Dr. Stephen Strange (Cumberbatch) is an egotistical but brilliant surgeon whose career is destroyed after a car accident ruins his hands. Searching the globe to repair them, he encounters the Ancient One (Swinton), a sorcerer who trains Strange to defend the world from evil.
Why we’re excited to see it: Doctor Strange is one of Marvel’s more eccentric (and lesser known) heroes and the trailers have promised plenty some seriously trippy, magical mayhem.
Walt Disney Studios
“Hacksaw Ridge”
Cast: Andrew Garfield, Sam Worthington, Vince Vaughn, Teresa Palmer
Director: Mel Gibson
Release Date: Nov. 4
What it’s about: It's based on the true story of U.S. Army medic Desmond T. Doss (Garfield) during World War II. Doss refused to kill anybody or bear arms, becoming the first conscientious objector to receive the Medal of Honor from President Harry Truman.
Why we’re excited to see it: The story sounds fascinating, and this is Mel Gibson’s first film as a director since 2006’s “Apocalypto.”
Summit Entertainment
"Loving"
Cast: Joel Edgerton, Ruth Negga, Nick Kroll
Director: Jeff Nichols
Release Date: Nov. 4
What it's about: An interracial couple wages a legal fight against imprisonment in the mid-20th-century South, leading to the landmark 1967 Supreme Court decision Loving v. Virginia.
Why we're dying to see it: The film has been building buzz since its debut at Cannes, particularly for co-star Ruth Negga.
Focus Features
"All Eyez on Me"
Cast: Demetrius Shipp Jr. Danai Gurira, Lauren Cohan
Director: Benny Boom
Release Date: Nov. 11
What it's about: A biopic on Tupac Shaku's rise to fame all the way to his death during a drive-by in Las Vegas.
Why we're dying to see it: Tupac has had multiple films made about his life, but the last one worth watching ("Tupac: Resurrection") was released 13 years ago. Plus, Tupac.

Open Road Films
"Arrival"
Cast: Amy Adams, Jeremy Renner, Forest Whitaker
Director: Denis Villeneuve
Release Date: Nov. 16
What it's about: After alien spacecrafts descend on Earth, a linguist (Adams) is hired by the U.S. government to investigate them.
Why we're dying to see it: The film has a strong pedigree, Adams has been nominated for five Oscars and the director's last film, "Sicario," received three Oscar nominations.
Paramount Pictures
"Billy Lynn's Long Halftime Walk"
Cast: Kristen Stewart, Chris Tucker, Vin Diesel, Garrett Hedlund
Director: Ang Lee
Release Date: Nov. 11
What it's about: Based on a novel of the same name, the film follows an Iraq war hero whose victory tour back in the U.S. is interrupted by jarring flashbacks.
Why we're dying to see it: Great source material, and Ang Lee's first film since another eye-catching literary adaptation, "The Life of Pi."
TriStar Pictures
“Fantastic Beasts and Where to Find Them”
Cast: Eddie Redmayne, Ezra Miller, Colin Farrell
Director: David Yates
Release Date: Nov. 18
What it’s about: Before Harry Potter even existed, there was Newt Scamander (Redmayne). The wizard -- and future author of a textbook mainstay at Hogwarts — visits the Magical Congress of the United States in 1926, but loses control of a special briefcase containing a number of dangerous beasts.
Why we’re excited to see it: J.K. Rowling. Wizards. Eddie Redmayne.
“Nocturnal Animals”
Cast: Jake Gyllenhaal, Amy Adams, Isla Fisher, Armie Hammer
Director: Tom Ford
Release Date: Nov. 18
What it’s about: In an adaptation of Austin Wright's 1933 novel “Tony and Susan,” Adams stars as an art gallery owner who begins receiving the manuscript of her ex-husband’s violent thriller novel. As Susan reads more of the story, she begins to interpret it as a threat.
Why we’re excited to see it: This will be fashion designer Tom Ford’s second directorial feature, following 2009’s “A Single Man.” The dynamic cast is sure to make this thriller a memorable one.
Focus Features
"Manchester by the Sea"
Cast: Casey Affleck, Michelle Williams, Kyle Chandler, Lucas Hedge
Director: Kenneth Lonergan
Release Date: Nov. 18
What it’s about: An uncle (Affleck) must take care of his teenage nephew (Hedge) and return to his hometown after the death of the boy’s father.
Why we’re excited to see it: The film received high praise when it premiered at Sundance and Lucas Hedge delivers a breakout performance as the nephew, Patrick.
Amazon Studios
"Moana"
Cast: Dwayne Johnson, Auli’i Cravalho, Phillipa Soo
Director: Ron Clements, John Musker
Release Date: Nov. 23
What it’s about: A young woman, Moana (Cravalho), sets sail for a fabled island and is joined by demigod Maui (Johnson) along the way.
Why we’re excited to see it: The animated musical is Disney’s first story about a Polynesian princess and will feature original music by “Hamilton” creator Lin-Manuel Miranda. Plus, the Rock sings!
"La La Land"
Cast: Emma Stone, Ryan Gosling, J.K. Simmons, Finn Wittrock
Director: Damien Chazelle
Release Date: Dec. 2
What it’s about: Stone and Gosling star as an aspiring actress and a jazz pianist, respectively, in modern-day L.A. The two meet and soon fall in love, but as each begins to find success in their dream careers, their relationship threatens to tear apart.
Why we’re excited to see it: We’ve already seen the chemistry between Stone and Gosling in “Crazy, Stupid, Love” and “Gangster Squad,” so we can’t wait to see what happens with the two of them when dancing and music are added in this romantic comedy-drama musical.
"Fences"
Director: Denzel Washington
Cast: Denzel Washington, Viola Davis, Jovan Adepo
Release Date: Dec. 16
What's it about: A once-promising baseball player ends up working as a garbageman in 1950s Pittsburgh.
Why we're dying to see it: August Wilson's Pulitzer Prize winning play with two amazing actors -- who won Tonys in 2010 for playing these very roles on Broadway.
20th Century Fox
"Rogue One: A Star Wars Story"
Cast: Felicity Jones, Diego Luna, Riz Ahmed, Mads Mikkelsen
Director: Gareth Edwards
Release Date: Dec. 16
What it’s about: Essentially a prequel to “Star Wars: A New Hope,” the film follows a group of Rebel spies as they attempt to steal plans for the Death Star.
Why we’re excited to see it: Not only is it the first standalone film in the "Star Wars" franchise, but the trailer promises a badass female lead and plenty of fight scenes.

Lucasfilm
"Collateral Beauty"
Cast: Will Smith, Keira Knightley, Helen Mirren, Kate Winslet, Edward Norton
Director: David Frankel
Release Date: Dec. 16
What it’s about: An advertising executive in New York faces a downward spiral after a tragic event, prompting his colleagues to seek a plan to get him out his funk.
Why we’re excited to see it: “The Devil Wears Prada” director returns to New York City with an all-star cast.
Getty Images
"The Founder"
Cast: Michael Keaton, Laura Dern, Nick Offerman, John Carroll Lynch
Director: John Lee Hancock
Release Date: Dec. 16
What it’s about: The biographical film follows Ray Kroc (Keaton) meeting Mac and Dick McDonald and developing the first McDonald’s franchise.
Why we’re excited to see it: Aren’t you curious to hear how McDonald’s started? And Keaton could be back in the Oscar race for the third straight year.
"Passengers"
Cast: Jennifer Lawrence, Chris Pratt, Michael Sheen, Laurence Fishburne
Director: Morten Tyldum
Release Date: Dec. 21
What it’s about: Lawrence and Pratt play two passengers aboard a spacecraft that’s on a 120-year journey to a distant planet. Due to a malfunction, two passengers are prematurely woken up with 90 years left to go on the voyage.
Why we’re excited to see it: Two of Hollywood's biggest stars team for a sci-fi romance that seemed very promising from the first footage shown at CinemaCon in April.
Getty Images
"Why Him?"
Cast: James Franco, Zoey Deutch, Bryan Cranston, Keegan-Michael Key, Adam DeVine, Megan Mullally
Director: John Hamburg
Release Date: Dec. 25
What it’s about: A father (Cranston) meets his daughter’s wealthy and eccentric boyfriend (Franco) and immediately dislikes him -- and resists all of Franco's attempts to win him over.
Why we’re excited to see it: Cranston and Franco seem like the perfect oddball pairing-- plus it's great to see them both in a comdy.
20th Century Fox
"Toni Erdmann"
Cast: Peter Simonischek, Sandra Hüller, Michael Wittenborn
Director: Maren Ade
Release Date: Dec. 25
What it’s about: An older father (Simonischek) tries to reconnect with his adult daughter (Hüller) by playing pranks on her.
Why we’re excited to see it: The comedic film, a hit at Cannes, boasts a 91 percent rating on Rotten Tomatoes. TheWrap’s Steve Pond described it as a “hysterically funny but deeply touching father-daughter story that ... doesn’t waste a moment.”