• ARCA is not in a position to, and does not, suggest policies or practices for when a robbery / hold-up occurs but we can point out the various areas that should be considered. The following are various layers that could be considered:
• The cash recycler can trigger the alarm and can be tied into your alarm system so make sure this functionality is tested during your regularly scheduled alarm test.
• Conventional wisdom is that robbers case a branch before robbing it. Signage on the door or in some place that indicates cash is automatically dispensed and tellers don’t have access to cash could increase the potential robber’s perception of risk of robbing a particular branch.
• Conventional wisdom also has it that robbers will spend as little time in the branch as possible. We typically don’t see clients changing their bait cash policy. For reasons of efficiency branches will move away from a traditional manual cash drawer and rely on the cash recycler almost completely, but many still have a manual drawer with bait cash in it.
• There is a “hot key” function to dispense a present amount of cash from recycler. It is also possible to issue this preset amount multiple times.
• If the robber stays in the branch long enough and demands access to the lower portion (the safe portion) of the recycler there is a duress feature that opens the safe but also sounds the silent alarm.
• Finally once inside the safe, access to the cash is not easy. The bills are stored in mylar rolls and while visible after some racking out of the cassettes it would be a very tedious process to remove the bills from the cassette (one by one).
• In summary:
• Confirm client alarm is working during regularly scheduled alarm test
• Signage on the door
• Bait cash in the drawer
• Amount that qualifies as a felony varies by area
• Policy about what amount or bait cash
• Hot key
• Dispenses preset amount
• This could be used multiple times depending on software and settings