Hostage movie

I remeber watching this movie maybe ten years ago it was quite old at the time. It’s maybe 20 years old. All I remember is a gunmen has taken hostages in a bank. The main character(one of the hostages) tries to reason with him throughout the movie, most of the movie is set in the bank. The main character is black. I think the gunmen needs money for his dying wife and he was recently fired also. I think at the end they find a way to save or something. Its a pretty well known film.

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