I have 3 points for the Bank:
1. It would be more fun and fair to let us begin able to join the Bank after it's begin robbed. I actually can't see any point not to let enter it once they're done robbing it. Many times I want to save the amount of money I have but you gotta keep driving around in order to not to let anyone else robbing the money.
I'm already laughing imagining the scene:
8:00 AM - There's a bank robbery, cops are outside and inside to collect useful info about robbers
8:01 AM - A stranger arrives at the bank: "Hello sir, i wanna deposit $500 in my bank account" - "Yes go ahead, who cares if there was a robbery not even 1 minute ago and maybe someone died, go without problems!" - "Thanks sir!".
Jokes apart, CNR means Cops&Robbers, and CNR mode is inspired by a sort of roleplay, so in real life you can't enter a bank after has been robbed, that's hell unrealistic.
-1 for me.
3.Removing "PIN or creating Bank account". It just doesn't make any sense for me honestly you have to create a PIN or your bank account in order to save your money. Basically, let every-one has his/her bank account without going to the Bank to create one. Make it easier for the newbie in any-way.
As stated above, PIN makes things more realistic. In real life to deposit/withdraw money you need the PIN code outside ATMs, so why removing it?
I think the main problem is not the PIN or the"Creating bank account" (Which i don't see the hard part of creating a PIN if you're a newbie, seriously.), the main problem is the lower limit of money deposit.
It's not correct even in the world that i can deposit only $1000 per transaction (Talking about ATMs) and withdraw only 10k$. If i need to buy a house which costs $200k, i would need to repeat this step 20 times, THIS is annoying and should be changed, imho.
Also, about ATMs robberies i have 2 suggestions (So i avoid to create a new topic about...):
1) Increase money stolen up to $3000 instead of max $450 (This is the max $$ i got...)
2) An ATM robbery can't always success, make a 50% percent rate such as jail breakout.