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I've heard from several Guys that they put about 100-200$ at the end of the day without getting in trouble. If you put ~1000$ in the night time, i got Information that i have to watch out if i dont wanna get into trouble
So, if you need a lot of money quickly, just put it in ATM at the beginning of police hours and you avoid 40% of laundry money.
This is the way it should work and would be properly balanced in my opinion and allow for money laundering to have it's place in the game. Basically deposits (no matter if during day or night) should be for small amounts of money only, larger amounts should be laundered unless you want to risk DEA raid. That's the way the developers intended it I assume if we go by how the game warns you about not depositing too much etc.
Zero Overdose strategy (Updated with information about DEA)