Call of Duty: Modern Warfare 4’s DMZ gives your Bank a starting limit of $100,000, which you can reach quickly. Once it’s full, cash from a deployment won’t be kept when you return. You don’t need to turn in a long series of items to expand the limit: buy each tier once from the 3D Printer in your Forward Operating Base (FOB), with cash alone covering the first tier.
Quick answer: With at least $20,000 in your Bank, open the 3D Printer from the FOB menu, go to UPGRADES, select BANK UPGRADE I, and hold Square (PS5) or X (Xbox). Your cap rises to $250,000.
MW4 DMZ Bank Upgrade costs and cash limits
There are three Bank tiers in the 3D Printer’s Upgrades tab. BANK UPGRADE I is the one you can buy first, and the later tiers raise the limit further from there.
| Upgrade | Cost | Bank cap after |
|---|---|---|
| None (default) | — | $100,000 |
| BANK UPGRADE I | $20,000 | $250,000 |
| BANK UPGRADE II | $50,000 | $500,000 |
| BANK UPGRADE III | $100,000 + 1 Infantry Invasion Plans | $1 Million |
Tiers I and II cost only DMZ cash. Tier III also needs one Infantry Invasion Plans, a valuable item you find in high-tier loot. Like every other crafting ingredient, it only reaches your FOB inventory if you exfil with it. If the item isn’t in your inventory, the upgrade stays locked no matter how much cash you have.
Before you start, keep these rules in mind:
- The 3D Printer unlocks early in DMZ progression, at DMZ Level 2.
- Purchase upgrades at the FOB while you’re between deployments; they aren’t available mid-match.
- The cost comes out of your Bank. Cash you’re carrying in a match doesn’t count until you exfil with it.
- One Bank serves all of your Operators, and each tier needs to be purchased just once.
How to buy a Bank Upgrade at the 3D Printer
The steps are the same for every tier. Bank Upgrade I is shown here because it’s the one you’ll buy first.
If you’re still saving up, use “TRACK RECIPE” on the upgrade so it shows up in the 3D Printer’s Tracked tab.
How to confirm the Bank Upgrade worked
Check the Bank readout in the FOB menu. Before the purchase, it shows your balance against the old ceiling, for example “BANK $100,000 / $100K.” Afterward, the maximum reads $250K and your balance is $20,000 lower. Bank Upgrade I also disappears from the list of upgrades you can buy. Bank Upgrade II and III work the same way, raising the readout to $500K and then $1 Million.
Fastest ways to earn DMZ cash for Bank Upgrades
A few sources pay enough to cover Bank Upgrade I in one or two runs. When you’re saving for tier II or III, these same sources just take longer.
| Cash source | Payout | When it pays |
|---|---|---|
| Dynamic Operations | $10,000–$20,000 each | On completion |
| Lieutenant kill (Boss Board) | $10,000 | On kill |
| Weapon Manual or Recipe | $5,000 each | On exfil |
| Gold bar | $25,000 | On exfil |
| Cash registers and vaults | Varies | On exfil |
For reliable earnings, complete Dynamic Operations: their payout is deposited directly into your Bank, even if you die before escaping. Cash picked up from registers or vaults won’t count unless you exfil with it. DMZ Orders and challenges award cash as well, while the Investor trait gives a small boost to the cash you extract.
MIA Operator rescues are paid from the same Bank. If you spend it all on an upgrade right before a risky deployment, you might not be able to recover an Operator.
Plan your purchases around the Bank limit. A death won’t cost you money already deposited, but any earnings beyond the ceiling are lost permanently. When your balance nears its current maximum, purchase the next tier, leaving enough cash available to rescue an Operator.
