To me, this was a satsifying, Friday-night-with-the-kid-nothing-better-to-watch movie. It has a crafty storyline, with what I will say is a very clever concept for a perfect bank robbery. I asked myself, whoever wrote this script could be a good career criminal.
Overall, it's not very deep, and some of the character motivations are a bit far-fetched, but hey, it's supposed to be a cop thriller. But don't expect a lot of car chases and shooting sprees. It's a slightly more "think-y" crime drama. You can see Spike Lee's signatures in some of the racially-tinged conversations (between Denzel and a street cop) as well as a great dialog between a Brooklyn-kid and one of the robbers.
The acting overall was very good, Denzel and Jodie Foster are very believable in their roles, and Christopher Plummer is a good (bad) guy...casting Plummer for his character is an ironic choice, based on one of his major career roles (I won't spoil it for you).
This film doesn't even come close to a "Silence of the Lambs" level of thrill/intrigue, but it doesn't totally suck either. (How's that for a rave review?) Also, it's a lot better role for Denzel than the sucky "Bone Collector".
One quirk, I found the James Bondian-type musical score annoying at times, it was too grandiose for the film.