While Michael and Jesse are planning to break into the bank that someone else already tried to rob last week to find out what they wanted, they get a little sidetracked by Sam and Fi (and not just because Fi's still pissed at Michael for lying to Jesse). The latter two are providing security at a tycoon's house party, but that doesn't stop masked kidnappers from storming in and grabbing the man's wife to hold for ransom. Fi goes the extra mile for the client by getting herself kidnapped as well. That leaves Michael and Sam to try to track the kidnappers, who by all indications plan to kill their captives as soon as they have the money. As for Jesse, it's his job to prevent the husband from agreeing to pay, except he blows it. Despite that, Fi proves quite resourceful, winning the kidnapper's sympathy even as she's MacGyvering her skinny little ass off behind his back. Ultimately she turns the tables on the bad guy, allowing Michael to force the crew to release the client's wife. Easy-peasy, as Sam would say.
So now Michael and Jesse are free to break into that bank -- after Madeline tells Jesse that it's always going to be Fi and Michael, not that Jesse asked. The guys get the safe deposit box in question and get away clean. Its contents? A Bible, with seemingly random words blacked out, indicating a code, and an inscription saying it belongs to none other than Simon Escher. Jesse doesn't know that name, and Michael lies to Jesse that he doesn't either. Oooh, and right after he and Fi made up, too.
Michael VOs that although you usually want to go into the field with only trained operatives, sometimes you can't avoid bringing in a civilian. Cut to Madeline's house, where Jesse and Michael have just asked her to help them rob a bank. She's not exactly jumping at the opportunity. Michael explains that they really just want to steal one safety deposit box. Jesse explains to her that it's connected to the case he was working on when he got fired, and all Madeline needs to do is trigger the alarm so they can see how the guards react. "All you have to do is the one thing I can never get you to stop doing," Michael says, chivalrously lighting her cigarette for her. Between that and Jesse's cajoling, he gets her to agree.
Later, Madeline's entering the bank, while at the same time, Jesse goes in as a sandwich delivery guy. Michael VOs about how that kind of job doesn't require the same kind of background checks that bank guard does. So Jessie applied for a job as a delivery guy, got the job, and waited around for the guards to order food? Glad it worked out. As Jesse is allowed into the bank's guard room, Michael's VO adds, "It gets you the same access, plus a tip." Well, that explains how they afford all their munitions and surveillance equipment. Jesse passes out the sandwiches while, in the room where the safety deposit boxes are kept, Madeline lights up. Moments later, alarms start going off, and Jesse feigns docile submission as the guards launch into action. He can also see Madeline on one of the surveillance monitors doing her chimney bit and wonders if the guards aren't overreacting, but a guard says smoking in there is against state law; "She's doing jail time."
Outside, Jesse gets back into Michael's car, his every pore radiating "Oops." Michael freaks out at the news that his mom is getting arrested, because it's even worse than it seems; in addition to the Epic Son Fail of getting your mother busted by the fuzz, there's the fact that Madeline opened an account there, with her real name and address. Jesse joins him in panic and says they have to spring her before the cops get there. But then they turn to see her sitting on a bench outside the window, still smoking the same cigarette and explaining how she gained the guards' sympathy by acting the sad widow with pictures of her dead husband. "First thing Frank's been good for in thirty years," she says, which is a little harsh. Sure, he was an abusive dick, but Michael's also been using his dad's shit for the last three and a half seasons. "Get in the car," Michael says. His dad's car, that is.