The Fleeca Job in GTA Online: Complete Guide to Your First Heist (Setup, Approach and Payout)

The Fleeca Job is the first heist you can run in GTA Online, and it is built as a tutorial: two players, two short setup missions, and a finale that rarely takes more than ten minutes once you know the route. It is also the only heist Lester pays for out of his own pocket the first time you run it, so there is no reason to put it off once you hit the rank.

Essentials

• Unlocks at Character Rank 12
• Requires a high-end apartment with a heist planning room (Lester will not call before you own one)
• Played with a crew of exactly 2 players
• Two setups: Scope Out and Steal the Armored Kuruma
• Total payout on Hard: GTA$251,562, split 60/40 between host and crew by default
• First run costs nothing; replays cost 10% of the base payout as the leader fee
• A weekly completion bonus pays 1.5x the standard take if the host has not finished the finale yet that week

How to unlock it

Once your character hits Rank 12 and you own an apartment with a planning room, Lester Crest sends a text message, then follows up with a phone call. Head to his garment factory, marked with an L on the map, to start the heist setup. If you already bought a high-end apartment before Rank 12, nothing changes, Lester still waits for the rank before reaching out.

You need a second player in your session to run the finale. The Fleeca Job is strictly a 2-player job, so recruit a friend or use the in-game heist matchmaking from the planning board.

Setup 1: Scope Out

Lester drives you to the target Fleeca branch on the Great Ocean Highway in Banham Canyon so you can look the building over before the robbery. This is a short, mostly automatic drive with no real fail state, its only purpose is to show you the layout you will be working with during the finale.

Setup 2: Steal the Armored Kuruma

This setup sends you to steal the armored Kuruma you will use as the approach and getaway vehicle for the finale. It is a straightforward theft mission on its own, but completing it also unlocks the option to buy a discounted armored Kuruma from Southern S.A. Super Autos afterward, which is worth doing if you plan on running more heists later.

The finale: Driver and Driller

With both setups done, the two-player crew takes on fixed roles for the finale: Driller and Driver. The Driller cracks open safety deposit box 167 inside the branch and grabs the bonds, while the Driver handles the escape route back to base once the alarm goes off. By default the host takes the Driller role and 60% of the payout, while the second player is Driver for 40%, though the host can change the split from the heist planning board before starting.

There is no smart or loud approach choice here, unlike later Fleeca-style heists. The Fleeca Job plays out the same way every time: get in, drill the box, get out before the cops box you in on the highway.

Payout by difficulty

Difficulty	Total payout
Easy	GTA$100,625
Normal	GTA$201,250
Hard	GTA$251,562

Run it on Hard whenever your crew can handle it, the difficulty barely changes the mission and the payout roughly doubles compared to Normal. The default split still applies, so on Hard the host nets around GTA$150,937 and the crew member around GTA$100,625 unless you renegotiate it.

Setup cost and the weekly bonus

Lester covers every cost on your first run, so there is genuinely no reason to wait. On every replay after that, the leader pays a 10% setup fee, roughly GTA$11,500 based on the base payout, deducted before the split happens.

Since the mid-2026 update to the Original Heists, the Fleeca Job also pays a weekly completion bonus: if the host has not finished the finale during the current weekly period, the payout for the whole crew is multiplied by 1.5x. Check who in your crew has already claimed it that week before you start, stacking the bonus on the host who has not run it yet is the efficient way to spend the ten minutes.

Elite Challenge

Finishing the finale in under 5 minutes and 20 seconds, with no crew member wasted and vehicle damage kept under 6%, earns a GTA$50,000 Elite Challenge bonus on top of the normal payout. It sounds tight, but the route is short enough that a crew who knows the drill can hit it consistently, drive straight, do not stop for fights, and keep the Kuruma out of traffic on the way back.

Common mistakes that cost you the Elite Challenge

Most failed Elite Challenge attempts come down to three things. First, players drive too cautiously on the way to the bank, the scope mission already showed you the route, so plan your line before the timer starts. Second, the Driller lingers at the box after the drill finishes, grab the bonds and move the moment the animation ends instead of waiting to see the cash counter. Third, the Driver panics when the star rating climbs and clips scenery on the highway, which is the single biggest source of the vehicle damage that breaks the under-6% requirement. Practicing the getaway route once outside of an active heist, just driving the Kuruma from the bank back to the drop-off, fixes most of this before it costs you a real run.

Fleeca Job versus the later bank heists

The Fleeca Job is deliberately simple compared to what comes after it. There is one target, one vehicle, one route, and no approach menu. Later heists in the same family, the Kortz Center job and the Diamond Casino Heist among them, layer in scouting, crew selection and multiple entry options that change how the whole mission plays out. That is by design: Rockstar built the Fleeca Job to teach the roles, driller and driver, planning board mechanics, and the setup-then-finale loop, before asking you to make harder decisions on bigger paydays. If your crew breezes through Fleeca in well under the Elite Challenge time, that is usually the signal you are ready to move on to a heist with more moving parts and a bigger total payout.

Why it is worth doing even at a high level

Payout per minute is what makes the Fleeca Job stick around in rotation long after you have moved on to the bigger heists. It has none of the setup grind of the Cayo Perico Heist or the approach choices of the Diamond Casino Heist, just a scope mission, a vehicle theft, and a ten-minute finale. If you are teaching a new player the basics of a heist crew, driller and driver roles, staying in cover, working the alarm timer, this is still the cleanest way to do it.

For the deeper heist mechanics that build on this one, the gold medal guide to every GTA 5 heist breaks down optimal approaches job by job, and the Jewel Store Job covers the story-mode heist the Fleeca Job borrows its structure from. If you are chasing bigger paydays after this one, the stock market guide built around Lester's assassination missions is the next logical stop, and the 100% completion checklist tells you where heists fit into the wider list of things worth doing. Anyone still hunting for shortcuts should read why GTA 5 cheats still work in 2026 before trying anything that risks a ban in GTA Online.