Strategy, Tactics, and Color Codes at an ATM

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I will also add: I don't know about anywhere else, but around here, drive-up services with actual tellers is going the way of the dodo bird. When you drive past banks around here, they're using the drive-thru lanes for employee parking.

ETA: At least I've noticed that at Bank of America locations.
 
Spats McGee said:
I will also add: I don't know about anywhere else, but around here, drive-up services with actual tellers is going the way of the dodo bird. When you drive past banks around here, they're using the drive-thru lanes for employee parking.

ETA: At least I've noticed that at Bank of America locations.
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That's the way of the future.
 
Spats McGee said:
I will also add: I don't know about anywhere else, but around here, drive-up services with actual tellers is going the way of the dodo bird. When you drive past banks around here, they're using the drive-thru lanes for employee parking.

ETA: At least I've noticed that at Bank of America locations.
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Same here. Our closest branch drive thru is 100% ATM's, four total, plus a walk up ATM on the front of the building, plus two walk up ATM's inside the first set of doors and second set of doors accessible during lobby open hours. Rarely are more than two tellers working the counter inside when I go inside to conduct business. The window for the drive thru has been bricked over.

Some other branches retain the more traditional drive thru teller assisted service with one or two drive thru ATM's and an outside walk up ATM but that's much less common here with BoA.
 
QUOTE="Spats McGee, post: 11655306, member: 182952"]We have a problem around here with fast food places scamming card numbers. The cashier will take a picture of the front and back of the card and send it off to someone and, before you know it, your account has been compromised. Accordingly, I decline to use any cards for fast food (which :):)I admit that I eat more often than I should). So I have to hit the ATM regularly. I won't use a walk-up ATM. Gee, cash in hand and back to the world? No, thanks. I use the drive-thru. I try to make sure I'm in a lane that will allow me to leave in a hurry if need be, all doors locked, grab my cash and be gone.[/QUOTE]
There’s an apt for that. All the chains have apps that take the order and payment. The home store never sees the card. Plus some keep track and offer free stuff after you’ve spent a weeks pay or so.
 
whughett said:
ATM’s generally are pre stocked with new currency. Bank tellers on the other hand are working from a cash drawer that have a lot of in and out monies. Would seem if that nasty little bug is on the green backs it would be more so on the cash drawer monies, or so it seems. At any rate I keep a fine mist spray bottle of alcohol In the cars. Every thing gets misted once’s it’s in my hands, even the donut at the DD drive thru. ;)
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Rubbing alcohol isn't healthy to ingest. If you want to disinfect your food you should use Everclear. (190 proof grain alcohol.) You can stretch it by mixing 3 parts Everclear to 1 part 3% hydrogen peroxide (thanks @hso).
 
whughett said:
ATM’s generally are pre stocked with new currency. Bank tellers on the other hand are working from a cash drawer that have a lot of in and out monies. Would seem if that nasty little bug is on the green backs it would be more so on the cash drawer monies, or so it seems. At any rate I keep a fine mist spray bottle of alcohol In the cars. Every thing gets misted once’s it’s in my hands, even the donut at the DD drive thru. ;)
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Only cash I have is left over from before COVID. But I'm not going anywhere to spend it, so...
 
Spats McGee said:
I'd still have to trust the app with my card number. A few years ago, the Starbucks app was hacked.
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Of course. And over the last two years my debit has had two purchases that weren’t mine. One substantial one not so. Each time the banks made good and just issued me a new card. I lost no money . I check the account daily, what price for the convenience. I for one wold hate to go back to paper checks and cash only.
 
whughett said:
Of course. And over the last two years my debit has had two purchases that weren’t mine. One substantial one not so. Each time the banks made good and just issued me a new card. I lost no money . I check the account daily, what price for the convenience. I for one wold hate to go back to paper checks and cash only.
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I don't disagree. I bought some folks in San Francisco several lunches to the tune of about $150 last year, but my bank was very good about giving me the money back. I've never been to San Francisco.
 
Kleanbore said:
Just before dinner yesterday, my wife said wanted to go over to the ATM. I didn't want to go. She said "I'll go. I stay very alert, and where we go now, there are no hiding places for people to lurk in".

Nope. Have to have two sets of eyes. So we went today.

The lot had few parked cars. She got out to work the machine. I stayed in the car--alert.

A young man entering the lot in a faded silver minivan noticed her standing by the machine and immediately turned without slowing, approaching us the wrong way in a one way lane. He turned and stopped crossways in some empty parking spaces a shot distance away and started watching her intently.

I was not possible for her to disengage from the machine immediately.

Uh-oh.

I unfastened my harness, cleared my jacket on this first cool day of the season, and opened the driver door slightly. The person of interest was to my right and ahead of us, about 25 yards away.

He evidently noticed my actions--possibly noticing my presence for the first time--and he immediately drove away--fast.

Was he even remotely aware that I had also unholstered and placed my gun on the passenger seat? Dunno.

I asked her if she had noticed the car coming the wrong way. No.

I asked if she had seen it stop in a possibly suspicious location. No.

I asked if she was aware that a man in the car was watching her at the machine. No.

That's why we always want two sets of eyes. Not two people concentrating on an ATM and on a cell phone, but two sets of open eyes.

This occurred in a very low-crime area, at an ATM in a lot that is among the least conducive to violent crime of any that I know of.

In about an hour, I'm going to open a beer.

Stay safe, my friends.
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VERY happy you were there as it was OBVIOUS that "situational awareness" was all that saved her !!.

And it was YOUR 'SA' that did it.

I am one to go with my "other" if at all possible.

She does grasp why,but I just know her 'SA' is not at my level AND she is not really armed !.
 
We still have drive up tellers out here in the sticks at little farm banks. I park and walk inside to deposit checks.
I use the drive up ATM's when I can but do keep an eye on everyone around me. Someone could just as easily stick a gun in your face at a drive up ATM as a walk up ATM.
 
Trunk Monkey said:
Eating Hydrogen Peroxide can't be any better for you than rubbing alcohol
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Rubbing alcohol is poisonous. Hydrogen peroxide is commonly used as a mouthwash/gargle. The only reason it is suggested for diluting the grain alcohol is that hydrogen peroxide itself is a disinfectant, so you get a little more disinfection bang for your buck than if you diluted the alcohol with water. (The alcohol being 190 proof (=95% alcohol) means there is wiggle room since only 70% alcohol is required for disinfecting.) If you don't like the idea of the peroxide, use water, or if you don't care about the cost differential, just use the Everclear straight.
 
Wherever one goes situational awareness must be practiced. Colonel Jeff cooper taught Red, Yellow. Green. It is hard to get people to change their habits until something shakes them up then they start to listen. Be safe my friends.
 
Mrs is the treasurer for our church. She deposits over $1000 dollars in cash and checks into the night deposit box every Sunday. While she is doing that, I utilize the ATM for my weeks supply of cash.
Our routine:
I step out of the truck to access the ATM, while she walks the ten yards or so to the night deposit. She is in my full view the entire time. My ccw is iwb. (I also have a security responsibility at church) We are vigilant that there is no one near or we drive around the block.
My only real worry is that we do this at the same time every week. 1130 am.
Apparently the bad guys are still in church.
 
There is another chapter, to the story. After leaving any ATM, or any bank, be on the look-out for “juggers,” who follow folks who seem to have just withdrawn money. The actual robbery may occur anywhere along the way, or in the “safety” of one’s driveway or garage.

I have no idea where the terms “Jugging/Jugger” originated.
 
"Jugging" in the world of rock climbing refers to the first rope ascending device invented by Swiss bird banders Jussi and Martin which they hence called "jumars".
Now all "ascenders" are called jumars or "jugs", and using them is called "jugging".
 
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