Find an ATM. There are a lot of ATMs scattered all over the map. You’ll usually find ATMs near banks, gas stations, convenience stores, and other types of commercial establishments. Some ATMs are found at Xero Gas Station in Pacific Bluffs, west of Los Santos. There's one near a bank in Little Seoul at the downtown Los Santos, and at Fleeca Bank in Banham Canyon.
Wait for a person to use it. Once you find an ATM, wait for a few moments until a pedestrian walks up and uses the ATM. Do not attack the pedestrian while they are using the ATM. Wait until they are finished. If you stand too close to the ATM, they may get nervous and leave the ATM. Then you will not be able to get the money.
Follow the pedestrian. Once the pedestrian is through using the ATM, quickly get behind them and start trailing on their tracks. Follow the pedestrian until you no longer see any witnesses, or at least until there are no cops around that could arrest you.
Incapacitate the pedestrian. Once it’s all safe, take down the pedestrian that used the ATM. Your can either shoot them or beat them up.
Collect the money. After the target is down, they will drop the cash they withdrew from the ATM. Simply walk over the cash to collect it.
Leave the area. Ambulances and cops will be arriving on the crime scene shortly after you’ve killed the pedestrian. Get back inside your vehicle and quickly drive out of the area to avoid getting apprehended. You can then drive to your next ATM and carry out your heist again. If there were any witnesses, you will need to hide from cops until your wanted level goes away.
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