Zach Shepard, an executive at a Los Angeles bank, gets a new job at a bank in Oregon, which is revealed to be a sperm bank. After some initial confusion, Zach and the sperm bank's doctor, Grace Murdock, deal with a shortage of donations by holding a contest with a $100,000 prize. Citizens abstain from sex to save themselves for bank "deposits," while a local brothel protests the sperm bank for ruining its business.