> ## Documentation Index
> Fetch the complete documentation index at: https://wiki.pogware.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Banking and ATMs

> Move clean cash between your pockets and bank, and understand the ATM allowance.

## Cash and bank funds

Cash is what your character carries, whether it is in Body or Pockets. Your bank balance is separate.

| Use | Payment source |
| - | - |
| Shop supplies and player listings, including vehicles | Cash |
| House designs and paid plot access | Bank |
| Dealership vehicle purchases | Bank |
| Additional genetic points | Bank |

New characters start with \$1,000 cash and \$2,000 bank funds. Transferring between them has no fee. Enter whole positive amounts.

## Use the bank

**1. Approach the bank**

Follow the guide to **Bank** and approach the bank interaction or clerk.

**2. Choose a transfer**

Choose **Deposit** to put carried cash into your bank, or **Withdraw** to take bank funds as cash.

**3. Set the amount**

Enter the amount, or choose \$50, \$100, \$250 or the maximum amount.

**4. Submit and check balances**

Submit the transfer and check the updated balances. Choosing a quick amount only fills the form.

The bank does not have the ATM's \$500 withdrawal window. A transfer still requires enough funds and room in the receiving balance.

## Withdraw from an ATM

**1. Approach an ATM**

Approach an available ATM and interact with it.

**2. Request a withdrawal**

Enter a withdrawal amount and choose **Withdraw**.

**3. Check your allowance**

Check the remaining allowance shown in the ATM panel.

ATMs allow **\$500 total per character in a 60-second window**. For example, withdrawing \$300 leaves \$200 until that window resets. The window begins with a withdrawal after the previous window has expired; it is not a calendar-minute reset. Use the bank for larger withdrawals. ATMs do not accept deposits.

An ATM being stolen or missing is unavailable for withdrawals. Use the bank while waiting for a replacement.

> **Why did my transfer fail?**
>
> * Move closer to the bank or ATM.
> * Check both balances and use a whole positive amount.
> * At an ATM, check the remaining withdrawal allowance.
> * Finish the current activity or pending sale before trying another transaction.
> * If the game says progress could not be saved, reconnect before trying again.
>
> See [ATM robbery](/tutorials/atm-robbery) for the separate theft activity.

> [!WARNING]
>
> Dirty Money cannot be deposited, withdrawn as cash or spent. Laundering is not available.


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