I didn't consider trying that. I'll attempt that real quick.
Two things happen when you rob the bank and start escaping: My morality drops to -144, this is the "first drop"(and happens as soon as you walk past the counter door). Once people fully see you, this is when the "second drop" comes, my morality drops to -169. At this point, I consider it unrecoverable.
At -144 the NPCs "don't know I'm there" and don't attack, -169 the NPCs know I'm there and start killing me.
Before I updated I would be able to get past the counter swinging door (where the two guards are), and my morality would recover. Before the update, the only time the "second drop" would happen, is if I left stealth mode.