Schedule 1 ATM Deposit Cap Explained: Why It Exists and How to Bypass It

Running a drug empire in Schedule 1 sounds glamorous until you realize the bank treats you like a suspicious uncle on Christmas Eve. The game caps how much cash you can drop into an ATM each week, and once your operation scales, that cap stops being a nuisance and starts being a problem.

This guide covers the hard rule behind the deposit limit and the legitimate (well, legitimate-ish) workaround the game offers.

Can You Raise the ATM Deposit Limit?

Short answer: no. The $10,000 weekly ATM cap in Schedule 1 is fixed. There is no skill, perk, upgrade, or shady NPC that nudges it higher. The lore reason is that your cash is dirty, and dumping more than $10K straight into an ATM would set off every alarm in the city. The mechanical reason is that the developers want you to engage with the next system, which is money laundering.

So if your stash is overflowing and the ATM keeps telling you to come back next week, the answer is not to fight the limit. The answer is to route around it.

Laundering Money Through Businesses

The city is full of shopfronts you can buy, and each one acts as a side channel for cleaning cash. To get started, visit Ray at Ray's Real Estate and pick the option to purchase a business.

The usual first buy is the laundromat, priced at $4,000. It is cheap, simple, and gets you laundering on day one. Once Ray hands over the keys, the business is yours.

Using the Laundromat

Walk into your new laundromat and head to the back staff area. You will find a PC and a storage shelf. Drop up to $2,000 of dirty money into the system and the PC will process it over the next 24 in-game hours. After the timer finishes, the clean version lands directly in your bank account, no ATM required.

Done every day, that adds $14,000 per week on top of the standard ATM cap, pushing your effective deposit ceiling to roughly $24,000.

Scaling Beyond One Business

The laundromat is only the entry tier. Ray's catalog includes larger fronts with higher daily throughput, and stacking multiple businesses is how serious operations move into the six-figure weekly range. Buy more, launder more, deposit more. The math is rude, but it works.

Quick Recap

• ATM weekly cap is locked at $10,000.
• The cap exists to push you into laundering.
• The laundromat ($4,000 at Ray's) cleans up to $2,000 per 24h.
• Daily use adds about $14,000/week to your real deposit ceiling.
• Buying additional businesses scales the ceiling further.

If you want a deeper breakdown of laundering costs and the full property list, the dedicated money laundering guide is the next stop.