Necro. I could care less. Just use cheat engine. You do not need to encrypt or decrypt any files. You can change any value in the game while it is running..

Oh, well. I've had the game for a while. I thought it might be good to finally join the community with my first post not being a sad noob question

It takes a total of 16 successful bank hacks to go from beginner rank to TERMINAL rank! Just something I learned today after completely sucking nearly 2 banks dry.

EDIT: credits were illegitimately acquired at the very beginning in order to do this.