Monty Banks gets involved in tracking down a stolen fortune, his adventures culminating in a whirlwind, gag-filled climax at sea.
The story takes place in Milwaukee during the early 1900s with a bank clerk named August Schiller who is happy with both his job and his family. He is tasked with transporting $1,000 in securities to Chicago. On the train he meets a blond seductress who convinces him to buy her a bottle of champagne, and takes him to a saloon. The next morning he awakes alone in a dilapidated bedroom and without the securities.