The only way to get a permanent, account-level mark is to be manually banned by Overkill for severe, repeated online cheating—but that is exceptionally rare. For 99% of players, the “Cheater” tag is a temporary warning, not a life sentence.
I didn't wait to find out if I had been flagged by association. I alt-F4'd out of the game and started a file integrity check on Steam. Some paydays just aren't worth the cost. Payday 2 How To Know If You Have A Cheater Tag
To know if you have the tag, you must rely on external feedback. Here are the that you are currently tagged as a cheater. The only way to get a permanent, account-level
: Look for automated chat messages in the lobby or in-game saying "[Player Name] is using invalid [item]" or "too many [assets]". Common Triggers for the Tag I alt-F4'd out of the game and started
Silence.