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GO Bank

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"A bank job. Make it famous. " —Bain offering the heist

GO Bank. also known as Charlie Santa or Charlie Sierra. is a heist in PAYDAY 2 that was released on December 16, 2013. Announced on December 11, it is the first ever Overkill Christmas heist. [1]


  1. Drill open the Vault. ( 359 seconds)
  2. Wait for the pilot to airdrop 3 lift cage parts.
  3. Assemble the lift cage.
  4. Bag the money from the vault, then secure it to the lift cage.
  5. Deploy the sky-hook balloon and wait for the pilot to successfully scoop up the lift cage.
  6. Go through the sewers and find the exit to the van.
  7. Escape.


At first, robbing this bank might seem easy, but it is very difficult to complete stealthily. The small bank size means that a major part of the security and the civilians are in the same area, if not room, and there are also nearby buildings with civilians. To complete the heist stealthily, the guards and cameras must be dealt with quickly, and all civilians inside must be kept down at all times, as the bank has big windows. When the 2 key cards are found and the vault is open, the deposit boxes must be opened fast if you are alone/nobody watches the civilians, as those not tied down can get up, though having the Control Freak skill and using the OVE9000 Saw. either while not aiming at anything to not wear it down, while timelock is still ticking down, or sawing open the deposit boxes will keep them down while getting the money. Once you have the money you want, simply get to the van and escape.

If the mission is played non-stealth, however, the timelock will be disabled and the van will leave, though not before throwing a thermal drill out of the back. Players must get it and drill open the vault door. Stay in cover, as there are tons of entrances for the law enforcers, including a ladder and a breakable skylight on the roof. Be warned that the red ladder can be destroyed, if a grenade explodes close to it, however police may still rappel down from there. After some time of drilling, Bain will contact the plane pilot to drop 3 green bags containing cage parts, and you will have to assemble them at a random outside position (or on top of the roof if Ace Pilot is purchased as an Asset ). Once the money bags have been obtained from the deposit boxes, they must be brought to the cage, and then a balloon on the cage must be activated for the plane pilot to come and catch the cage. Meanwhile, the cage must be defended to prevent law enforcers from stealing the bags, and it should also be noted that the pilot may miss the cage and will have to turn around for another try, which will take several minutes. This is possible, even with Ace Pilot purchased. Once the loot is (finally) safe, the players must escape by a sewer maze with law enforcers rappelling down, with about 5 minutes to find the exit where the van is. Any bags not taken by the skyhook cage can be brought through the sewers and thrown into the back of the van to finally be secured.

Completing this heist in stealth requires learning and contending with a large number of conditions:

A large number of civilians can spawn in multiple areas and configurations on GO Bank.Teams attempting to stealth this heist should all have the Cable Guy and/or Control Freak skills to deal with the flood of civilians the heist will produce. As the camera operator is off-site, the best course of action is to tactfully rush with an ECM jammer. killing the the two guards (four if the GenSec truck spawns) and destroying all of the cameras.

Assuming the pagers and cameras are dealt with, players must locate the two Keycards  to start the timelock. The first is owned by the bank manager, and will either be on his person or in his briefcase (behind the counter or in his car trunk). The second will be held by a random bank employee.

The timelock on the vault can have a duration ranging from 1 to 5 minutes, during which time one player must answer the telephone whenever it rings; failure to answer always results in the police being alerted. Eventually, a call will come from Hillary at GenSec, who will either: demand to speak to Barney, and send two GenSec employees to investigate; demand to speak to Barney, but believe Bain's lie and never call back; or ask for the timelock codes, which can be found by searching the folders on the employee desk.

Once the timelock finishes, players may have to navigate security lasers across its entrance; the lasers are triggered only by players (i.e. bags do not set off the alarm), and can by passed by waiting until the bottom three are off and crouching through. Once inside, players must either pick or saw the deposit boxes to get the bags of cash, and can leave once a single bag has been loaded.

Assuming players remain a while to gather more loot, a call will eventually come from either Hillary or the Police Chief that sets an alarm deadline; either way, the call will demand to speak to one of their officers, giving the players a brief time limit before the full police force are sent.

If an alarm sounds at any point, the van driver immediately flees. If no loot has been loaded into the van, players will have to drill the vault open (if it is still locked) and then proceed with the standard plane recovery. If one or more bags are already loaded into the van, players can proceed directly to the sewer escape, taking any additional bags to the second van.

Whilst much simpler than its stealth counterpart, GO Bank can be very difficult performed loud, owing to factors like rooftop spawns, around three sniper spawn locations, and very little cover.

One player should remain at the van to grab the thermal drill, which can only be interacted with once the alarm is raised. Like stealth, priority should be on tying and moving the high number of hostages in the bank. Players should consider moving them behind the employee desk or near the vault to make them harder to rescue. Once placed, the drill will take around three or four minutes to crack the vault.

A short while into drilling, Bain will (erroneously) note the drill is almost done, and will request Bile drop the parts for a cage somewhere in the map. The cage will be in three bags, and must be assembled in one of three random areas:

  • The roof, where players will have to combat standard enemies on the neighboring rooftops, two snipers on the north buildings, and one sniper to the north-east. Additionally, standard enemies will scale the roof by the internal or external ladders.
  • The parking lot behind the bank, which will also leave players vulnerable to sniper fire, as well as near a few cloaker spawns. Enemies will approach from the main bank, from either side of the lot, and over the north fence, meaning cover is mostly provided by the parked cars and bank rear.
  • The front street, the most difficult of the locations. Enemies will spawn en masse, entering primarily from both ends of the map, and over the gas station walls. Players will be subject to fire from several directions, will have almost no cover, and (if you head too far south) will be visible to the rooftop enemies and north-spawning snipers.

After the cage is built, players should return to the vault, which will soon be open. Entering, players must open the safety deposit boxes as soon as possible, preferably with a saw whilst others cover. Once enough loot is bagged, players should move the bags to the cage for extraction by Bile, and deploy the balloon when ready.

Like the Green Bridge heist, it's possible for the pickup to fail, requiring

players to hold out for a minute or two for each pass; whilst the Ace Pilot asset increases the chances of successful pickup, it's still possible for Bile to keep missing, requiring players to guard the bags from police interception. When Bile either takes the cage, misses a third time, and/or crashes the plane, Bain will announce they need to escape by Sewers.

After a brief period, during which any remaining bags should be gathered and moved, one of three manholes will be marked which players must access:

  • To the west of the bank, near the scissor lift and down the side of the store.
  • In the parking lot to the north of the bank.
  • In the street, to the south-east of the bank, outside the building neighboring to the east.

Players should note that the three minute escape timer begins as soon as any player enters sewers, so players should work together and plan to escape together. Entering the sewers, players will have to navigate a maze which heads to a predetermined parking lot; it is always in the sniper building to the north, but the path depends entirely on which manhole players must use. Additionally, players may encounter a cage in the sewers, which must be bypassed by picking the lock, using a single C4 charge, or by using the saw. Moving or leaving bags as necessary, players must climb the escape ladder to a manhole, where a van is waiting.

  • The phone calls that occur throughout stealth are random in order, and vary on every attempt. The possible calls that can come through include:
    • Hillary from GenSec will call asking for the time lock codes, which are found by searching the files littered around the bank teller desk. Once a player searches the correct documents, Bain will relay the time lock codes to Hillary, ending the call and she will be satisfied and not call again.
    • Hillary can also ask for the manager, Barney, to come to the phone, and Bain will make an excuse. There is a 15% chance she believes Bain and ends the call (100% if the GenSec truck spawned); if she is unsatisfied she will send two GenSec guards to the bank in a red car. These two guards have pagers, but their pagers are not counted towards the pager answering limit of 4. Hillary will eventually call back and demand you put a GenSec guard on the line within a few minutes, or she will contact the police.
    • The police department will call, saying they received a call from GenSec about something being suspicious, and will send 2 or 3 officers to check. After around 2 minutes the officer will call again and, after demanding speak to one of the officers, will give the crew a certain amount of time (between 1 and 3 minutes) to comply before he sends the police in force.
    • There are numerous other calls that may occur during stealth, but they serve no other purpose than having someone pick up the phone. Most calls are short in duration. Some longer, rarer ones are actually the winners of a competition on the Steam forums.
    • Rarely, a call will be received from a blackmailer, demanding a cut of the loot or else the police will be called. One bag of loot must be thrown over the yellow fence behind the bank. After the vault opens, Bain will remind the players to do this. This can prove to be difficult as the fence is high. If any player throws or carries a bag into the street before throwing one over the fence, the alarm will go off.
  • Civilians can spawn in a range of locations and amounts, including:
    • A group of four civilians will continuously spawn at either end and side of the street and cross to the other end. Civilians spawning on the side of the street with the bank may path into the bank lobby. If all four civilians are killed or tied down, new street civilians will spawn after several minutes.
    • Several may spawn inside the gas station immediately to the right of player spawn.
    • A civilian may spawn sitting on a bench immediately outside the bank.
    • A civilian may spawn from the portable toilet behind the bank.
    • A civilian may spawn at the gas pumps.
    • One to three construction workers may spawn in the back of the general store to the left of the bank.
  • Cameras can spawn in varying amounts, depending on difficulty; despite this, they will never be TITAN grade due to the operator being off-site. The possible spawns include:
    • Outside the bank, Up to two at the main-entrance door, one might be at the drive-in counter and up to two behind the bank.
    • Inside the bank, positions include: above the back doors; on the north wall, or in the northern corners; behind either the east or west tree; above the main entrance on the east or south-most wall; or a few more locations.
    • On lower difficulties, there can sometimes be only 1 or 2 cameras in the bank.
  • Sometimes on lower difficulties there will only be 1 guard present at the bank at the start of the heist.
  • The vault door may be standing open and not require drilling or waiting for the timelock. This variation is particularly rare (1% chance), and doesn't require answering the phone or avoiding the lasers.
  • If playing on lower difficulties,the lasers have a chance of not spawning.

GenSec-truck in front of the Bank

  • A GenSec armored truck may be parked outside the bank. This armored truck is identical to the ones in the Armored Transport heists. It can be drilled, or blown open with C4, and its contents looted. It is however accompanied by two GenSec guards, both with pagers. It contains no bags, preventing immediate objective completion, but it does contain non-bagable loot. (i.e. Gold bar, Coins, etc.)
  • The plane has a chance of crashing before reaching the bank, forcing the crew to escape through the sewers with all the bags. Due to a bug, Bain will still say that they should hire the pilot again after the end of the heist.
  • It may be lightly snowing during the heist. This is a purely cosmetic change, and gameplay is unaffected.
  • Rarely, a police car will spawn at the pumps, accompanied by one or two police officers. Neither will have a pager, and so can be dealt with easily.
  • Rarely, after missing the cage the first time, the plane will miss again and crash. This scenario can be very frustrating with a large number of loot bags. Bain will then instruct the crew to move the bags via the sewers. It is recommended to move all of the bags into the sewers before any player enters. As soon as a player does enter the sewers, Bain will say the army is coming and a 5 minute escape timer will begin. If unable to escape the sewers in this time, the crew will fail the heist.
  • One of three manholes must be escaped through on a loud escape. Whilst they all lead to the north sniper building, the maze will vary depending on the manhole used.
    • A grate can spawn in the sewers, which requires drilling, blasting with C4 or sawing.
  • After reaching the escape van, the single metal door in the area can sometimes be broken down by a Bulldozer .

The FBI Files

My Notes: The gang may think these places are going to be easy to knock over, due to being on the edge of town. I’m impressed with the response times shown by our teams getting out there, but we need to improve. This kind of bank job is the bread and butter of the Payday gang, and we can expect to see more hits.

Achievements payday locations

Category: Payday loans

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