The Fleeca Job is the first heist in GTA Online and the only one built for exactly two players. It is short, cheap to run and deliberately easy — a tutorial dressed up as a bank job. The $201,250 pot ($250,250 on hard) is the smallest of any heist, so nobody grinds Fleeca for the money (check the heist payout planner to see how thin the split gets). Its real value is what it unlocks: the rest of the original heist strand, the heist completion bonuses, and a heavily discounted armored Kuruma.
What you need
- Rank 12 and a high-end apartment with a heist planning room to host. Anyone can join a Fleeca lobby for free at any rank.
- One other player. Fleeca is fixed at two — no solo option, no fourth friend.
Any high-end apartment works — the cheapest qualifying ones start at about $200,000, so don’t feel obliged to buy Eclipse Towers for your first planning room. This one purchase unlocks hosting for all five original heists, from Fleeca through Pacific Standard.
The two setups
- Scope Out. Drive Lester past the Fleeca branch on the Great Ocean Highway in Banham Canyon. While one player drives, the other practices the hacking minigame on the laptop — take this seriously, because you do it for real in the finale. Case the bank, then head back.
- Kuruma. Steal an armored Kuruma from a guarded gang get-together, lose the heat and deliver it. This car is your finale getaway vehicle, and the mission doubles as a free test drive of one of the most useful vehicles in the game.
The heist’s real prize. Finishing the Fleeca Job finale unlocks the Kuruma (Armored) at a $525,000 trade price instead of full sticker. Its bulletproof windows trivialize NPC gunfights, which makes every later heist setup dramatically safer — most veterans call it the best early purchase in the game.
The finale
Lester assigns two roles:
- Driver takes the wheel of the Kuruma, then handles crowd control inside the bank — keep your gun trained on the staff and customers so the intimidation meter stays up and nobody trips the alarm.
- Driller runs the hacking minigame on the way to the bank (the same one you practiced in Scope Out), then drills open deposit box 167.
Drilling technique
The drill has a heat gauge. Keep the trigger pinned and push the drill forward gently; the moment the bit glows and the gauge climbs, ease off the forward pressure while keeping it spinning, then push again. Short, patient pushes beat one greedy plunge — overheating or snapping the bit is the main way finales drag past the elite time.
The escape
Grab the bonds, pile back into the Kuruma and head north up the Great Ocean Highway with the cops on you. The armored bodywork shrugs off police fire — just drive clean. Under the bridge by Fort Zancudo, a Cargobob swoops in, magnets the whole car off the road and carries you to safety. Payout screen, done.
Elite challenge
Finish in under 5:20, with vehicle damage under 6% and nobody wasted, for a reported $50,000 bonus. The time is generous if the driller practiced: don’t crash on the drive in, keep the intimidation meter topped up so the drill run is uninterrupted, and drive smoothly to the pickup — the damage cap fails more elite runs than the clock does.
Is it worth running?
Honestly: once each, then move on. The pot splits two ways before setup time, so Fleeca is among the worst GTA$-per-hour in the game — see where it lands in our heists ranked hub. But it gates everything good behind it:
- It opens the original heist strand, starting with the Prison Break, and progress toward the completion-order and Criminal Mastermind bonus payouts (reported at $1,000,000 and $10,000,000).
- It unlocks the discounted armored Kuruma, which pays for itself in survivability across every heist after.
- It teaches the heist loop — roles, setups, cuts — cheaply, before four-player jobs where mistakes cost real time.
Run it on hard with a friend who can drill, grab the Kuruma discount, and graduate to the heists that actually pay — a solo Cayo Perico run earns more than fifteen Fleeca finales. New to GTA Online entirely? Start with the beginner’s guide first.