Open an account as a Civilian at Looty Bay Bank, then use a Laundering Desk at your base to process cash. Kefir says laundering takes time, protects the resulting funds from theft until the next wipe, and lets you withdraw at an ATM.
Open an account
Visit Looty Bay Bank while playing as a Civilian and open the account there. The official FAQ does not specify a verified opening fee in the material checked. Community sources report a 5,000 cash fee; see the account-cost section below before spending.
Launder and deposit cash
- With an account open, use the Laundering Desk at your base.
- Process your cash and allow time for laundering.
- Use an ATM when you need to withdraw funds.
The official FAQ establishes the basic route, but does not give us a verified duration, fee, or detailed button-by-button interface. Check the current in-game prompts for those details.
Does money survive a wipe?
No cross-wipe protection is established. Kefir says banked funds are safe from theft until the next wipe; its federal raid FAQ lists cash among the cleared assets. Plan around the active cycle, and check the wipe guide for retained items and the timing caveat.
A note on base security
Kefir says raiders can use a decoder on a security system to enter a building temporarily; its owner can repair the system to lock it again. See the decoder guide for reported barter routes. Bank protection against theft has the official time limit above; it should not be confused with a guarantee that every other base asset is safe.
Account cost and early route
Steam guide author psei and community sources both report an opening cost of 5,000 cash. The fan guide cites the Steam guide, so agreement is not proof of independent testing. Take the money to the bank in the upper-right area of Looty Bay, enter as a Civilian without a mask, and speak with the clerk; check the price in the interaction before paying.
An account is useful for more than storing your haul. The fan guide says bank money supports bribes and clan membership or creation; loose cash and bank funds serve different purposes. Keep enough spendable cash for your immediate purchases and move money you want protected into the account through the available laundering route.
Before and after you own a base
Two community guides describe Lenny as an early option who launders money for a cut. Once you have a plot and house, they describe loading cash into your own Laundering Desk, which continues processing while you are offline. They also list Banknote Counters as a speed upgrade; one community guide lists 10,000 research and 30,000 purchase as separate costs.
The fan guides may share underlying game data. Their available evidence does not settle a universal processing time or Lenny fee; one community guide reports an instant 2:1 dirty-to-clean option up to 100,000, so compare the actual offer with the slower desk before accepting it.
Where is money exposed?
| Location | Decision |
|---|---|
| Bag or vehicle trunk | Available to carry and spend, but exposed during a robbery or encounter. |
| Base desk | Processing takes time; community sources disagree about how much can be stolen from a loaded desk. |
| Bank account | Kefir says laundered funds are protected from thieves until the federal raid. |
| ATM withdrawal | The withdrawn amount becomes carried cash again; take what you need for the next trip. |
Do not confuse a successful deposit with protection across the wipe. Review the server timer before tying up a large haul, and collect or spend according to your own plan for this cycle.
Deposit or withdraw?
Depositing is tied to laundering: Kefir describes using the desk at your base and waiting for the process, then withdrawing from an ATM. It does not specify every interface action. If you do not yet have a base, the community-reported plot route is covered in land and production; check each current prompt before spending.
Using banked money during an arrest
Kefir says a player with money in the bank can offer a police officer a bribe. If the officer accepts, the player keeps the contents of the bag and the officer receives a payout. Acceptance is conditional: an offer alone is not a guarantee that you keep the haul.
In the separate police-surrender scenario, Kefir says bag contents are confiscated while equipped gear is retained. Do not apply that description to the different Surrender to Feds server-switch route: the official switching FAQ does not state the same consequences. See police and joining friends for each situation.