The short answer
Open a bank account at the Looty Bay Bank as a Civilian. The account is where laundered money goes, and you can withdraw cash at any ATM.
Open the account
- Play as a Civilian.
- Go to the Looty Bay Bank.
- Open a bank account.
- Check the current account-opening cost in the bank UI.
Launch-week play has put the opening requirement around $5,000, but prices can change during Early Access. Treat the number as a budget target, not a permanent fee.
Deposit money through laundering
The bank is not a direct teller deposit. Cash has to be cleaned first.
- Earn cash from a heist, sale, cargo run, police work, or another activity.
- Go to your base.
- Use the Laundering Desk.
- Put the cash in and wait for the process to finish.
- The cleaned money appears in your bank account.
- Withdraw at an ATM when you need spending cash.
Laundering takes time, so start it before you leave for another job. If you need cash immediately, keep a small working balance outside the bank rather than emptying the account every time you buy something.
Why use the bank
Cash can be stolen or confiscated. Banked money is safe from theft until the next wipe.
That protection is not permanent. The seven-day wipe still resets the server economy, including cash. The bank protects you from another player, not from the server reset.
A practical cash routine
- Carry only what you need for the next job.
- Sell loot and take the cash off the counter immediately.
- Launder large balances before moving through a dangerous area.
- Withdraw for a specific purchase instead of carrying your whole balance.
- Check the wipe timer before saving for something expensive.
If you do not have a base yet, read the housing guide before relying on the Laundering Desk. If you already have a base, connect the bank routine to your normal sale route so you are not making a separate trip after every job.