First World Bank (Payday 3)

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First World Bank (Payday 3)
Heist Information
Contractor	Locke
Loud / Stealth	✔/✔
Loot	Money
Bag Total	N/A
Loose Loot Total	N/A
Payout Statistics
Base Completion	{{{mic_nom}}} (Normal){{{mic_har}}} (Hard) {{{mic_ver}}} (Very Hard) {{{mic_ovk}}} (Overkill)
Maximum Completion	{{{mac_nom}}} (Normal){{{mac_har}}} (Hard) {{{mac_ver}}} (Very Hard) {{{mac_ovk}}} (Overkill)
All Bags Bonus	{{{alb_nom}}} (Normal){{{alb_har}}} (Hard) {{{alb_ver}}} (Very Hard) {{{alb_ovk}}} (Overkill)
Loose Loot Payout	{{{llp_nom}}} (Normal){{{llp_har}}} (Hard) {{{llp_ver}}} (Very Hard) {{{llp_ovk}}} (Overkill)
Stealth Statistics
Stealth Completion	{{{sc_nom}}} (Normal){{{sc_har}}} (Hard) {{{sc_ver}}} (Very Hard) {{{sc_ovk}}} (Overkill)
Minimum Bag Payout	{{{smip_nom}}} (Normal){{{smip_har}}} (Hard) {{{smip_ver}}} (Very Hard) {{{smip_ovk}}} (Overkill)
Maximum Bag Payout	{{{smap_nom}}} (Normal){{{smap_har}}} (Hard) {{{smap_ver}}} (Very Hard) {{{smap_ovk}}} (Overkill)
Loud Statistics
Loud Completion	{{{lc_nom}}} (Normal){{{lc_har}}} (Hard) {{{lc_ver}}} (Very Hard) {{{lc_ovk}}} (Overkill)
Minimum Bag Payout	{{{lmip_nom}}} (Normal){{{lmip_har}}} (Hard) {{{lmip_ver}}} (Very Hard) {{{lmip_ovk}}} (Overkill)
Maximum Bag Payout	{{{lmap_nom}}} (Normal){{{lmap_har}}} (Hard) {{{lmap_ver}}} (Very Hard) {{{lmap_ovk}}} (Overkill)
Other
Time	N/A
Location	N/A
Achievement	N/A
Internal Name	ONE

Payday: The HeistPayday 2Payday 3

---

"Time to cash out."

—Poster tagline

First World Bank is a legacy heist for PAYDAY 3, released on December 10th 2024. Similar to its depiction in PAYDAY: The Heist and PAYDAY 2, it takes place in the titular bank.

Mission Briefing

Locke's contractor dialogue

"It might be me getting old and looking back through rose-tinted glasses, but I want to take a trip down memory lane. First World Bank. I heard they beefed up their security. Nevertheless, I say we show 'em who's the top dog, ey? It wasn't that hard to bribe one of them to act as our inside man. Are you chops ready to make one hell of a withdrawal?"

Overview

A classic heist from the Payday gang's early days, First World Bank requires the players to break into the vault of the titular bank and steal its cash. The heist begins when the players locate the vault area entrance, breach the gate, and use thermite to burn a hole into the bank's vault. Once the vault has been thoroughly looted, the crew will use explosives to blow a hole in the wall of a second floor bathroom and make their escape in the adjacent building.

Favors

v·d·e First World Bank Favors
Name		Price
Generic
Ammo Bag		10,000
Armor Bag		10,000
Medic Bag		10,000
Heist Specific
Metal detectors disabled		N/A
Magnetic lock disabled		N/A
Visitor pass at Inside man		N/A
Extra thermite bags		N/A
Elevator equipment drop		N/A

Walkthrough

Stealth

Upon entering the bank, locating the inside man is relatively easy; find the office with a white bear statue placed on it. After entering his office, he'll begin informing you of the plan. Step 1: erase his log entries on the servers by overwriting them with fake ones via a USB he gives you. Find the server room and go in (Note: the server room door will always need a QR code) and plug the USB into the designated server. Next, if you didn't use the favor beforehand, find the metal detector panel outside one of the gate doors and turn off the metal detectors similar to how it was done in Houston Breakout (find four wall panels and flip the correct color switch on each panel one at a time). At this point, return to the Inside Man, and he'll inform you of the next part of the plan.

Go to the manager's office and generate a new code for the vault door. Find the manager's office and enter it (Note: the manager's office will always need a Red Keycard. The location changes for it, but it'll either be laying around the bank somewhere, or one of the guards will have it). Hack his computer, and you'll get 2 codes. Take note of them, and then return to the Inside Man to hear about the final art of the plan, where he will inform you that you must place special stickers on money carts inside of the vault. Take the stickers from his desk (note: this is marked as an illegal action).

Once completed, go to the door with the keypad by it (unlike most heists, the area by the gate door is a Public Area). Once the Inside Man arrives, enter the code into the keypad. Once done, the Inside Man will use the retinal scanner to disengage the secondary lock on the door. The first section of the corridor to the vault area is a private area but the other side is a secure area, with lasers active on higher difficulties, so care must be taken. The main vault area has 4 cameras scattered around, with one watching the vault door and 2 to 3 guards, depending on difficulty. On Overkill, a lead guard modifier will spawn an extra lead guard that makes traversing this area of the bank significantly more difficult.

Similarly to Gold and Sharke, the vault is opened through a timelock and blue keycard, which is either lying on a front desk, or the office above the vault, with the corresponding computer at either location as well. Once opened, apply the stickers to the money carts, each can take three bags. Once all loot has been secured, you must enter one of the two security checkpoint.

Once inside, players can enter into a stealth-exclusive section of the map, which serves as a shortcut to the staircase to the parking lot. There's a single guard present at the escape vehicle, which is a GenSec armored truck seen in Road Rage. The guard will mistake you as the driver(s) of the armored van, having unintentionally prepared it for the Payday gang's exfiltration. He will eventually leave, allowing players (both unmasked and masked on) to exit safely.

Guards will notice ATM machines that has been broken open. Avoid opening up ATM machines until it is time to exfiltrate the heist, or use an ECM Jammer to open them as guards won't notice an open ATM if an ECM Jammer was used to open it.

Loud

The loud phase of this heist is extremely similar to how it was completed in PAYDAY 2, though with some potential variations that deviate significantly from the heist's prior incarnations.

Enter the bank and mask up. Take as many civilians or guards hostage (if you have the skill needed) and locate the correct door needed to enter the vault, which is either on the left or right side of the building. Upon reaching the door, Shade will inform you on where the thermal drill is located, which could either be in a server room or located outside in the car park sitting inside of a grey, unmarked van. Grab the thermal drill and the oxygen canisters, then proceed to drill the door open.

Some time into the drilling process, Shade will inform the team of the magnetic lock that seals the door that must be disabled before the vault lobby can be breached. It is always unlocked via the manager's computer. Locate the manager's office and begin the hack.

Once both the magnetic seal has been released and the thermal drill has completed its process, dissasemble the drill and proceed inside the vault. If the alarm has already activated by this point, then all the GenSec guards within the vault will have already been turned into civilians. Take them hostage and, to proceed further into the vault area, hack the computer in the lobby. Once completed, enter the vault area and Shade will once again inform the team of where the thermite will be located, either in an elevator (if the appropriate favor was selected beforehand) or via an equipment drop from Bile. Occasionally, it will also spawn in the server room.

When utilizing the thermite, it is similar to how thermite is used in No Rest For The Wicked: do not use more than one thermite bag at a time to speed up the process, as it will trigger the water sprinklers, in addition to police sabotage units focusing on disrupting the thermite. Simply drop in a thermite bag every 30 seconds.

Entering the vault will soon trigger the Final Charge phase of the police assault. The two locked gates in the vault room must be drilled open. It is recommended not to open the vault gate until all bags of money have been bagged up, as the police will be able to enter the vault unrestricted without having to enter from the thermite hole, allowing them to overwhelm the players.

If proceeding as normal, players will have to secure the money bags in the ventilation shafts spread across the vault. All four ventilation shafts will be closed, and players will have to find the correct one. However, the correct vent can be found before they have breached the vault via thermite, making this a considerably trivial objective. However, players will randomly be chosen two methods of escape, one of which forgoes securing bags via the vent, as outlined in the sections below:

Escaping on Loud - classic route

Typical per PAYDAY tradition, the classic escape entails the Payday gang escaping by blowing a hole in the wall to a connecting office. This escape is the most common one. Simply grab the explosives in the bathroom and place it on the adjacent wall, then escape through the office and down the stairs to the garage, where the escape van will arrive. Beware of the staircase, as jumping off at an elevated level may result in the player getting downed due to fall damage.

Near the doorway to the staricase leading to the garage, random enemies may exit the elevator to ambush players. Usually this is of no threat, spawning a lone special unit or a squad led by a Shield unit, but there is a chance a Bulldozer may spawn. The garage may also be filled with enemies instead of it being empty, so beware of potential cops waiting for you at the exit. Be sure to escape quickly as well; unlike in PAYDAY: The Heist and PAYDAY 2, cops will follow you into the garage at a much faster pace.

Escaping on Loud - rooftop zipline route

Unique to this iteration of First World Bank, Shade will rarely have Bile deploy a zipline through one of the wing's skylights. Rather than delivering bags through the nearby vents closest to the vault, players must carry bags to the zipline and deliver it to Bile. This is a particularly tricky endeavour as you are under constant fire from the final assault, so players must prepare to push through potential hindrances. It is highly recommended at least one player prepare an OVERKILL weapon, such as the M135 Arges or the Sociopath's baseball bat to easily handle groups of SWAT enemies. Be aware of any potential Bulldozers or Cloakers hiding around the corner, as they can easily disrupt your escape plan.

Although this escape alleviates the player's need to blow up the bathroom wall to the connecting offices, the rooftop route is much more time-consuming and dangerous, as even without the need to escape to the parking garage, you are under constant fire delivering bags to the zipline.

Variations

• The entrance to the vault room in either the east or west wing will change.
• The location of the server room and the manager's office will alternate between floors and locations.
• The equipment needed to breach the vault area will either spawn inside the vault or be placed in a parked unmarked van.
• The location of the inside man will change.
• The escape method on loud may either require heisters escape via zipline or through the classic method.

Difficulty Changes/Modifiers

• If the Lead Guard modifier is active, the lead guard will patrol the area surrounding the vault room.
• on higher difficulties, lasers will be active in the vault with changing patterns, similar to Under The Surphaze.

Differences from PAYDAY: The Heist and PAYDAY 2

• The general architecture has been changed, including the nearby office next to the bank.
• The ATM machines in the building can be breached open without ECM jammers or the use of a saw-like weapon.
• The second floor is now a private area and the places nearest the vault are secure areas.
• The offices in the eastern wing are now locked behind a QR code scanner.
• Most rooms (such as the manager's office) are now locked behind keycards or RFID tags.
• The manager no longer has a unique keycard, and his office will have a red keycard lock.
• The metal detectors must be deactivated via colored wires instead of finding power boxes.
• There are now two ways into the vault area, but the one chosen to be breached open (in loud or stealth) are randomized.
• The exterior of the First World Bank has been greatly expanded.
• The lobby and side wings were renovated to include more furniture with a different atmosphere.
• The balconies on the second floor now connect with each other.
• The vault area and the vault itself has been changed.
• Cops will no longer force open the vault doors after bagging the loot; the players are given time to bag up the money before opening the vault doors. However, they can still enter from the destroyed ceiling.
• The process of burning the floor above the vault room with thermite has been changed to be smaller, similar to No Rest For The Wicked.
• There are no Bulldozers inside the vault on Overkill (four Bulldozers would spawn inside the vault on the highest difficulties).
• Loot is secured via the ventilation shaft rather than the escape vehicle.
• The escape vehicle is no longer a garbage truck; it is the gang's regular escape van and a armored truck in stealth.
• There is no Overdrill secret (as of writing; a new secret is planned to replace it in 2025).

Achievements

First World Bank currently has no achievements.

Challenges

First World Bank currently has no challenges.

Gallery

Keyart

First World Bank as it was originally teased

Videos

PAYDAY 3- First World Bank - Teaser Trailer

PAYDAY 3 First World Bank teaser

PAYDAY 3- First World Bank - Main Trailer

PAYDAY 3 First World Bank trailer

Trivia

The original four Payday gang members holding their masks, as seen in the trailer.

• The First World Bank is the first, and so far only, heist in the entire PAYDAY series to have appeared in every entry.
  • Similarly, First World Bank was the first PAYDAY: The Heist map added to PAYDAY 2.
  • No Mercy was originally considered to be the first PAYDAY: The Heist mission added to PAYDAY 3, with Valve allowing Starbreeze Studios to remake the heist, but the development team decided to use First World Bank instead.
• The First World Bank is the only heist in PAYDAY 3 to have more than four unique favors.
• It was announced that the Overdrill secret would not be returning, with a new secret replacing it instead planned to be added in 2025.
  • Unused code indicated that, at one point in development, attempting to activate Overdrill would've caused four Bulldozers to spawn instead as it did in the original PAYDAY: The Heist (on difficult Overkill +145). Due to limitations, however, attempting Overdrill instead causes the red light under the desk to simply blink and do nothing else.
• The trailer for the heist references the original PAYDAY: The Heist poster, where the original four Payday gang members hold their masks behind them (although the four holds it differently in the trailer compared to the poster).
• Due to Bain's absence, Locke contracts this heist.
  • Locke's contractor dialogue heavily implies that this is the very same branch the Payday gang hit during the events of PAYDAY: The Heist and PAYDAY 2. If so, this will be the third time the same bank has been targeted by the Payday gang.

The leak in question from the Dev Update, alongside the Holdout gamemode.

• The First World Bank heist was originally teased as an unnamed free legacy heist to be released after the Anniversary Update, simply referred to as the PAYDAY series' "most popular challenges". It was then accidentally leaked during Dev Update 09, where it was shown in the preview for the upcoming Crime.net server browser and UI overhaul.
  • The teaser trailer properly announcing First World Bank's upcoming release was uploaded on 23rd November 2024.
• The teaser trailer featured a segment showcasing gameplay of Don't Be A Hero before it was announced. It also teased Jacket's return.
• During the leak, it was revealed that the original payout was a mere $3,000, likely a placeholder number.
  • The Holdout gamemode from PAYDAY 2 was also leaked alongside this heist, with an astronomically high payout rate.
• The loading cutscene definitively places the location of the heist in New York, on Worth Street in the Tribeca neighborhood.

Bugs

• (Fixed) The vent secure point will occasionally fail to properly register a loot bag, causing the loot to fall through the map and teleport next to the vent after reaching a certain point.
• (Fixed) Sounds of water splashing can be heard outside the bank near two loitering civilians.
• Upon heist completion, the heisters wont say their success dialogue.