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ATMs & transfers in detail

Step-by-step guide to depositing, withdrawing, and sending money — with the small print.

Note

If you haven't read Banking & money yet, start there. This page covers the operational side once you understand the cash/bank distinction.

ATM workflow

  1. Walk up to any ATM (24/7s, gas stations, banks, casinos, hospitals — see the GPS layer for the full list).
  2. The bottom prompt appears: Press E to use ATM.
  3. Press E. The ATM keypad UI opens; cursor unlocks.
  4. Pick an action: Deposit, Withdraw, Transfer, Balance.
  5. Type the amount on the keypad (clicking 0–9, ⌫ for backspace, OK to confirm).
  6. The ATM verifies funds and updates your balance.
  7. Esc or Cancel closes the UI.

Deposit — moving cash → bank

  • No fee.
  • Caps: only as much cash as you have on hand.
  • Useful right after a paycheck or a job payout to keep your robbery exposure low.

Withdraw — moving bank → cash

  • No fee.
  • Caps: per-transaction $5,000 (so you can't drain your full bank in one shot at an unattended ATM); no daily cap.
  • For larger amounts visit a Pacific Standard branch in person (no per-tx cap there).

Transfer — sending to another character

This one has the most footguns. Read carefully.

What you need

  • The recipient's account number — typically a 10-digit number visible in their phone Wallet app.
  • The exact amount.
  • Optional: a reference / note — appears in both your transaction histories.

How it works

  1. ATM → Transfer.
  2. Enter recipient's account number.
  3. The ATM looks up the account and shows you the recipient's character name before you confirm.
  4. Verify it matches the person you intended.
  5. Type the amount. Confirm.
  6. Both accounts update atomically — no partial transfers.
Warning

The verified name is your last sanity check. If the name on screen doesn't match the person you think you're paying, abort. Mistyped account numbers are the single biggest source of "I sent money to a stranger" tickets, and we don't reverse legitimate transfers.

Transfer fees

  • Same-bank transfers between Pacific Standard accounts: $5 flat.
  • Cross-bank: $15 flat (only relevant if your characters have non-PSB accounts).
  • No percentage fees.

Per-transfer limit

  • ATM-initiated transfer: $10,000 max per transaction.
  • Branch-initiated (in-person at a Pacific Standard or Maze Bank): no per-tx limit.
  • Daily aggregate: $100,000 from ATMs, unlimited from branches.

These limits exist for fraud-recovery purposes — large transfers being easier to dispute when there's a teller involved.

Transaction history

Every ATM action creates a row in your Wallet's transaction history with:

  • Timestamp (server time).
  • Type (deposit / withdraw / transfer-out / transfer-in / fee / interest).
  • Amount.
  • Counter-party (character name, for transfers).
  • Reference text (if you set one).
  • ATM/branch ID (so you can prove location during a heist alibi).

History persists for 90 days. After that older rows are summarised into a monthly aggregate.

Card payments at registers

  • Many shops accept card alongside cash. The shop prompt will say "Press E to pay (card or cash)".
  • Card transactions debit directly from your bank — no need to withdraw first.
  • The same atomic check (money_bank >= price) happens server-side, so a failed card just means insufficient bank funds.

What happens if my bank is empty?

  • Free bank to $0 is fine — no negative balances allowed at the consumer-account tier.
  • Auto-debits (rent, mortgage, finance) that fail trigger a 3-day grace period before consequences. Pay manually with /payrent etc. to clear the flag.
  • The bank doesn't issue overdrafts to player accounts (faction/business accounts can be configured otherwise; see Factions → Treasury).