Why carrying cash is not the same as banking it
Official: Kefir’s banking help article, checked November 9, 2026, separates account opening in Looty Bay from processing cash at a base. Its cash-safety article says carried cash can be stolen or confiscated. The useful distinction is therefore the state of your money, not merely whether you have visited the bank. Do not assume that opening an account automatically converts every later cash pickup into protected funds.
Banking, money laundering and a bank-vault robbery are different questions. This page covers the account and your own funds, not entry into a robbery target. We have no verified instant-deposit shortcut, interest system or universal transaction fee to list. Read the actual interaction prompt before confirming an action rather than treating the word “bank” in a search result as evidence of a specific menu.
Step by step: account, laundering, then readback
Follow the official sequence: enter Looty Bay as a Civilian and visit the bank to open an account. This establishes the documented role and location, not a precise keyboard shortcut or map coordinate. We have not tested the interface ourselves. If your prompt differs, record its wording and check current help instead of assuming you must take a combat role or force access to a vault.
Next use the Laundering Desk at your base for cash processing. Kefir says the process takes time, but the reviewed help does not supply a universal duration. Our recommendation is to note the amount and the visible state before and after the interaction. Starting a process is not evidence that it has completed. Do not quote an estimated completion time from this site: we have not measured one.
Once funds are available, check what the interface actually shows before planning another purchase or withdrawal. Official: the banking article says cash withdrawals are possible at ATMs. It does not document a guaranteed withdrawal limit in the text reviewed here. Treat the in-game confirmation as the relevant instruction, and keep protected funds separate from any cash you choose to carry afterward.
If money does not appear where expected
Write down the operation you attempted, the amount shown, the time, the server and any pending indicator or error. Distinguish a missing cash pickup, unfinished laundering and a bank-balance change; they are not interchangeable reports. This is our evidence checklist, not a claim that the game exposes transaction history or that you can reverse an action from a particular screen.
Use official support for an account-specific discrepancy. The site cannot inspect your balance or restore funds, and we found no verified recovery button or compensation promise for every disconnect. Do not repeat a costly action merely to see whether the display changes. If you lost money after being kicked out, the dedicated lost-money guide explains how to describe the connection event separately from the financial observation.
What protection does and does not mean
Kefir limits the theft protection to the current wipe cycle; it is not permanent savings. The November 4 official patch also changed the desk’s capacity without giving a new numeric amount. That makes older fixed-capacity advice unsafe to repeat. Use the live interface for capacity and our wipe guide for reset context, not as a guarantee that bank funds survive a reset or move between servers.