Neither are true, because banking the cash makes no difference whatever which way. Some claim banking it will save you from a ban, others that banking it is what causes the ban.
Another misconception is that whether or not you bank the cash actually matters. Dropped Money ≠ Banįirst of all, getting money dropped on you won't get you banned, and it has never caused false bans. We've put together a hacker avoidance guide before, but that touched on different topics than this guide. However, there are a number of ways to minimize any sort of harm that hackers may inflict upon you when and if this occurs.
The ban resulting from the sudden increase of cash you're carrying around. An increasingly common misconception among GTA Online players is that getting money dropped on you by hackers will result in your account being banned.