It depend how you respond to the bank, if a hostage situation is called and you respond to THE HOSTAGE SITUATION instead of the bank then you have to negotiate cuz technically their are no reasons to call it off.
However if you are responding to THE BANK and your intent is to deal with THE BANK then you can just code 3 up in their.
Its not like a fed where you don't have to respond to a hostage situation cuz no RP is required to deal with the people clearly participating
some good clarification would be lovely but that's how i think it is tbh