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PART 326_MINIMUM SECURITY DE- the term does not include any bank loVICES AND PROCEDURES FOR IN
cated in the District of Columbia. SURED NONMEMBER BANKS
(b) The term “banking hours" means
the time during which a banking office Sec.
is open for the normal transaction of 326.0 Scope of part.
business with the banking public. 326.1 Definitions.
(c) The term “banking office" includes 326.2 Designation of security officer. 326.3 Security devices.
the main office or any insured State non326.4 Security procedures.
member bank and any branch thereof. 326.5 Filing by insured State nonmember (d) The term "branch" includes any
banks of reports with the Corpora- branch bank, branch office, branch tion.
agency, additional office, or any branch 326.6 Corrective action.
place of business located in any State 326.7 Penalty provision.
of the United States or in any territory Appendix A-Minimum Standards for se
of the United States, Puerto Rico, Guam, curity Devices. Appendix B-Proper Employee Conduct Dur
American Samoa, or the Virgin Islands ing and After a Robbery.
at which deposits are received or checks
paid or money lent. AUTHORITY: The provisions of this Part 328
(e) The term “Board of Directors" issued under sec. 3, 82 Stat. 295. Interpret or apply secs. 1-5, 82 Stat. 294, 295; 12 U.S.O.
means the Board of Directors of the Fed1881nt-1884.
eral Deposit Insurance Corporation.
(f) The term "teller's station or winSOURCE: The provisions of this Part 326
dow” means a location in a banking office appear at 34 F.R. 618, Jan. 16, 1969, unless otherwise noted.
at which bank customers routinely con
duct transactions with the bank which § 326.0 Scope of part.
involve the exchange of funds, including Pursuant to the authority conferred a walkup or drive-in teller's station or upon the Federal Deposit Insurance window. Corporation by section 3 of the Bank
(34 FR 618, Jan. 16, 1969, as amended at Protection Act of 1968 (82 Stat. 295), the 36 FR 3112, Feb. 18, 1971) regulations contained in this part(a) Establish minimum standards
§ 326.2 Designation of security officer, with which each insured State nonmem- On or before February 15, 1969, or ber bank must comply with respect to
within 30 days after the bank becomes the installation, maintenance, and op
a member of the Federal Deposit Insureration of security devices and proce
ance Corporation, the board of directors dures to discourage robberies, burglaries,
of each insured State nonmember bank and larcenies and to assist in the identifi- shall designate an officer or other emcation and apprehension of persons who
ployee of the bank who shall be charged, commit such acts;
subject to supervision by the bank's (b) Establish time limits within which board of directors, with responsibility each such bank shall comply with such for the installation, maintenance, and standards; and
operation of security devices and for the (c) Require the submission of reports development and administration of a sewith respect to the installation, mainte- curity program which equal or exceed the nance, and operation of security devices standards prescribed by this part. and procedures.
8 326.3 Security devices. $ 326.) Definitions.
(a) Installation, maintenance, and For the purposes of this part
operation of appropriate security devices. (a) The term "insured State nonmem
Before January 1, 1970, or within 30 days ber bank" means any bank (including
after the bank becomes a member of the any mutual savings bank), incorporated
Federal Deposit Insurance Corporation, under the laws of any State of the
the security officer of each insured State United States, any territory of the United
nonmember bank, under such directions
as shall be given him by the bank's board States, Puerto Rico, Guam, American Samoa, or the Virgin Islands, that is not
of directors, shall survey the need for
security devices in each of the bank's a member of the Federal Reserve Sys
banking offices and shall provide for the tem but the deposits of which are in- installation, maintenance, and operation, sured in accordance with the provisions in each such office, of of the Federal Deposit Insurance Act, (1) A lighting system for illuminating, As amended (12 U.S.C. 1811-1832), but during the hours of darkness, the area around the vault, if the vault is visible alent protection) it is decided not to from outside the banking office;
install, maintain, and operate devices (2) Tamper-resistant locks on exterior at least equivalent to these standards, the doors and exterior windows designed to bank shall preserve in its records a statebe opened;
ment of the reasons for such decision. (3) An alarm system or other appro
§ 326.4 Security procedures. priate device for promptly notifying the nearest responsible law enforcement offi- (a) Development and administra. cers of an attempted or perpetrated rob- tion. On or before July 15, 1969, or within bery or burglary; and
30 days after the bank becomes a mem(4) Such other devices as the security ber of the Federal Deposit Insurance officer, after seeking the advice of law Corporation, each insured State nonenforcement officers, shall determine to member bank shall develop and provide be appropriate for discouraging rob- for the administration of a security proberies, burglaries, and larcenies and for gram to protect each of its banking offices assisting in the identification and appre- from robberies, burglaries, and larcenies hension of persons who commit such and to assist in the identification and acts.
apprehension of persons who commit (b) Considerations relevant to deter- such acts. The security program shall be mining appropriateness. For the purposes reduced to writing, approved by the of subparagraph (4) of paragraph (a) of bank's board of directors, and retained this section, considerations relevant to by the bank in such form as will readily determining appropriateness include, but permit determination of its adequacy and are not limited to
effectiveness. (1) The incidence of crimes against (b) Contents of security programs. the particular banking office and/or Such security programs shallagainst financial institutions in the area (1) Provide for establishing a schedule in which the banking office is or will be for the inspection, testing, and servicing located;
of all security devices installed in each (2) The amount of currency or other banking office; provide for designating valuables exposed to robbery, burglary, the officer or other employee who shall or larceny;
be responsible for seeing that such de(3) The distance of the banking office vices are inspected, tested, serviced, and from the nearest responsible law enforce- kept in good working order; and require ment oficers and the time required for such officer or other employee to keep such law enforcement officers ordinarily a record of such inspections, testings, to arrive at the banking office;
and servicings; (4) The cost of the security devices; (2) Require that each banking office's
(5) Other security measures in effect currency be kept at a reasonable miniat the banking office; and
mum and provide procedures for safely (6) The physical characteristics of removing excess currency; the banking office structure and its sur- (3) Require that the currency at each. roundings.
teller's station or window be kept at a (c) Implementation. It is appropriate
reasonable minimum and provide profor banking offices in areas with a high cedures for safely removing excess curincidence of crime to install many de- rency and other valuables to a locked vices which would not be practicable be- safe, vault, or other protected place; cause of costs for small banking offices in (4) Require that the currency at each areas substantially free of crimes against teller's station or window include "bait" finandal institutions. Each insured State money, i.e., used Federal Reserve notes nonmateber bank shall consider the ap- the denominations, banks of issue, serial propriateness of installing, maintaining, numbers, and series years of which are and operating security devices which are recorded, verified by a second oncer or expected to give a general level of bank employee, and kept in a safe place; protection at least equivalent to the (5) Require that all currency, negoti. standards described in Appendix A of able securities, and similar valuables be. this part. In any case in which (on the kept in a locked vault or safe during nonbasis of the factors listed in paragraph business hours, that the vault or sefe be (b) of this section or similar ones, the opened at the latest time practicable beuse of other measures, or the decision fore banking hours, and that the vault that technological change allows the use or safe be locked at the earliest time. of other measures judged to give equiy- practicable after banking hours;
(6) Provide, where practicable, for the installation, maintenance, and operation designation of a person or persons to
of appropriate security devices, as prescribed open each banking office and require him
by $ 326.3 of the rules and regulations of tho or them to inspect the premises, to ascer
Federal Deposit Insurance Corporation, in tain that no unauthorized persons are
each of the bank's banking offices. present, and to signal other employees (b) Records of consultation. The that the premises are safe before permit- bank's files shall contain a readily availting them to enter;
able record showing the name(s) and (7) Provide for designation of a per- title(s) of the law enforcement officer(s) son or persons who will assure that all whose advice the security officer sought security devices are turned on and are prior to the installation, maintenance, operating during the periods in which and operation of appropriate security such devices are intended to be used; devices.
(8) Provide for designation of a per- (c) Reports on security devices. On or son or persons to inspect, after the clos- before March 15, 1969, and upon such ing hour, all areas of each banking office other occasions as the Board of Directors where currency, negotiable securities, or may specify, each insured State nonsimilar valuables are normally handled member bank shall file with the Regional or stored in order to assure that such Director of the Federal Deposit Insurcurrency, securities, and valuables have ance Corporation Region in which it is been put away, that no unauthorized per- located a report on Form P-1 (in duplisons are present in such areas, and that cate) for each of its ofices that is subject the vault or safe and all doors and to this part. windows are securely locked; and
(d) External crime reports. Each time (9) Provide for training, and periodic a robbery, burglary, or nonbank employee retraining, of employees in their respon- larceny is perpetrated or attempted at a sibilities under the security program, in- banking office operated by an insured cluding the proper use of security devices State nonmember bank, the bank shall, and proper employee conduct during and within a reasonable time, file a report in after a robbery, in accordance with the conformity with the requirements of procedures Usted in Appendix B of this Form P-2. One copy of such report shall part.
be filed with the appropriate State su§ 326.5 Filing by insured State non
pervisory authority and three copies of member banks of reports with the
such report shall be filed with the ReCorporation.
gional Director of the Federal Deposit
Insurance Corporation Region in which (a) Compliance reports. As of the last
the main office of the reporting bank is business day in June of 1970, and as of located. the last business day in June of each (e) Special reports. Each insured State calendar year thereafter, each insured nonmember bank shall file such other State nonmember bank shall file with the
reports as the Board of Directors or its Regional Director of the Federal Deposit designee may require. Insurance Corporation Region in which 134 F.R. 618, Jan. 16, 1969, as amended at its main office is located a statement 36 F.R. 1248, Jan. 27, 1971] certifying to its compliance with the requirements of this part. The state
§ 326.6 Corrective action. ment shall be dated and signed by the Whenever the Board of Directors or its president, or cashier, or other managing
designee determines that the security officer of the bank and may be in a form devices or procedures used by an insured substantially as follows:
State nonmember bank are deficient in I hereby certify, to the best of my knowl
meeting the requirements of this part, or edge and belief, that this bank has developed
that the requirements of this part should and administers a security program that
be varied in the circumstances of a parequals or exceeds the standards prescribed ticular banking office, it may take or reby $ 326.4 of the rules and regulations of the quire the bank to take necessary correcFederal Deposit Insurance Corporation; that tive action. If the Board of Directors or such security program has been reduced to
its designee determines that such correcwriting, approved by the bank's board of
tive action is appropriate or necessary, directors, and retained by the bank in such form as will readily permit determination of
the bank will be so notified and will be its adequacy and effectiveness; and that the
furnished a statement of what the bank bank security omcer, after seeking the advice must do to comply with the requirements a law enforcement omcers, has provided for of this part.
326.7 Penalty provision.
Pursuant to section 5 of the Bank Protection Act of 1968 (82 Stat. 295), an insured State nonmember bank that violates any provision of this part shall be subject to a civil penalty not to exceed $100 for each day of the violation. APPENDIX A-MINIMUM STANDARDS FOR
SECURITY DEVICES In order to assure realization of maximum performance capabilities, all security devices utilized by a bank should be regularly inspected, tested, and serviced by competent persons. Actuating devices for surveillance systems and robbery alarms should be operable with the least risk of detection by unauthorized persons that can be practicably achieved.
(1) Surveillance systems.-(1) General. Surveillance systems should be:
(A) Equipped with one or more photographic, recording, monitoring, or like devices capable of reproducing images of persons in the banking office with sufficient clarity to facilitate (through photographs capable of being enlarged to produce a one-inch vertical head-size of persons whose images have been reproduced) the identification and apprehension of robbers or other suspicious persons;
(B) Reasonably silent in operation; and
(C) So designed and constructed that necessary services, repairs or inspections can readily be made. Any camera used in such a system should be capable of taking at least one picture every 2 seconds and, if it uses film, should contain enough unexposed film at all times to be capable of operating for not less than 3 minutes, and the film should be at least 16mm.
(11) Installation and operation of surveillance systems providing surveillance of other than walk-up or drive-in teller's stations or windows. Surveillance devices for other than walk-up or drive-in teller's stations or windows should be:
(A) Located so as to reproduce identifiable Images of persons either leaving the banking office or in a position to transact business at each such station or window; and
(B) Capable of actuation by initiating devices located at each teller's station or window.
(ill) Installation and operation of surveillance systems providing surveillance of walk-up or drive-in teller's stations or windows. Surveillance devices for walk-up or drive-in teller's stations or windows should be located in such a manner as to reproduce identifiable images of persons in a position to transact business at each such station or window and areas of such station or window that are vulnerable to robbery or larceny. Such devices should be capable of actuation by one or more initiating devices located within or in close proximity to such station or window. Such devices may be omitted in the case of a walk-up or drive-in teller's sta
tion or window in which the teller is effectively protected by a bullet-resistant barrier from persons outside the station or window. However, if the teller is vulnerable to larceny or robbery by members of the public who enter the banking office, the teller should have access to a device to actuate a surveillance system that covers the area of vulnerability or the exits to the banking office.
(2) Robbery and burglary alarm systems(1) Robbery alarm systems. A robbery alarm system should be provided for each banking office at which the police ordinarily can arrive within 5 minutes after an alarm is actuated; all other banking offices should be provided with appropriate devices for promptly notifying the police that a robbery has occurred or is in progress. Robbery alarm systems should be:
(A) Designed to transmit to the police, either directly or through an intermediary, & signal (not detectable by unauthorized persons) indicating that a crime against the banking office has occurred or is in progress;
(B) Capable of actuation by initiating devices located at each teller's station or window (except walk-up or drive-in teller's stations or windows in which the teller is effectively protected by a bullet-resistant barrier and effectively isolated from persons, other than fellow employees, inside a banking office of which such station or window may be a part);
(C) Safeguarded against accidental transmission of an alarm;
(D) Equipped with a visual and audible signal capable of indicating improper functioning of or tampering with the system; and
(E) Equipped with an independent source 0° power (such as a battery) sufficient to assure continuously reliable operation of the system for at least 24 hours in the event of failure of the usual source of power.
(il) Burglary alarm systems. A burglary alarm system should be provided for each banking office. Burglary alarm systems should be:
(A) Capable of detecting promptly an attack on the outer door, walls, floor, or ceiling of each vault, and each safe not stored in a vault, in which currency, negotiable securities, or similar valuables are stored when the office is closed, and any attempt to move any such safe;
(B) Designed to transmit to the police, either directly or through an intermediary, a signal indicating that any such attempt is in progress; and for banking offices at which the police ordinarily cannot arrive within 5 minutes after an alarm is actuated, designed to actuate a loud sounding bell or other de. vice that is audible inside the banking office and for a distance of approximately 500 feet outside the banking office;
(C) Safeguarded against accidental transmission of an alarm;
(D) Equipped with a visual and audible signal capable of indicating improper functioning of or tampering with the system; and
(E) Equipped with an independent source of power (such as a battery) sufficient to assure continuously reliable operation of the system for at least 80 hours in the event of failure of the usual source of power.
(3) Walk-up and drive-in teller's stations or windows. Walk-up and drive-in teller's stations or windows contracted for after February 15, 1969, should be constructed in such a manner that tellers are effectively protected by Bullet-resistant barriers from robbery or larceny by persons outside such stations or windows. Such barriers should be of glass at least 1316 Inches in thickness, or of material of at least equivalent bulletresistance. Pass-through devices should be so designed and constructed as not to afford a person outside the station or window a direct line of fire at a person inside the station.
(4) Vaults, safes, safe deposit boxes, night depositories, and automated paying or receiving machines. Vaults, safes (if not to be stored in a vault), safe deposit boxes, night depositories, and automated paying or receivIng machines, in any of which currency, negotiable securities, or similar valuables are to be stored when banking offices are closed, should meet or exceed the standards expressed in this section.
(1) Vaults. A vault is defined as a room or compartment that is designed for the storage and safekeeping of valuables and which has a size and shape which permits entrance and movement within by one or more persons. Other asset storage units which do not meet this definition of a vault will be considered as safes. Vaults contracted for after November 1, 1973, should have walls, floor, and ceiling of reinforced concrete at least 12 inches in thickness.3 The vault door should be made of steel at least 31/2 inches in thickness, or other drill and torch resistant material, and be equipped with a dial combination lock, a time lock, and a substantial lockable day-gate. Electrical conduits into the vault should not exceed 142 inches in diameter and should be offset within the walls, floor, or ceiling at least once so as not to form a direct path of entry. A vault ventilator, 11 provided, should be designed with consideration of safety to life without significant reduction of the strength of the vault wall to burglary attack. Alternatively, vaults should be so designed and constructed as to afford at least equivalent burglary resistance.
(11) Safes. Safes contracted for after February 15, 1969, should weigh at least 750 pounds empty, or be securely anchored to the premises where located. The body should consist of steel, at least 1 inch in thickness, either cast or fabricated, with an ultimate tensile strength of 50,000 pounds per square inch and be fastened in a manner equal to a continuous 14 inch penetration weld having
1 See footnote at end of document.
an ultimate tensile strength of 50,000 pounds per square inch. The door should be made of steel that is at least 11/2 inch in thickness, and at least equivalent in strength to that specified for the body; and the door should be equipped with a combination lock, or time lock, and with a relocking device that will effectively lock the door if the combination lock or time lock is punched. One hole not exceeding 12 inch diameter may be provided in the body to permit insertion of electrical conductors, but should be located so as not to permit a direct view of the door or locking mechanism. Alternatively. safes should be constructed of materials that will afford at least equivalent burglary resistance.
(iii) Safe deposit boxes. Safe deposit boxes used to safeguard customer valuables should be enclosed in a vault or safe meeting at least the above-specified minimum protection standards.
(iv) Night depositories, Night depositories (excluding envelope drops not used to receive substantial amounts of currency) contracted for after February 15, 1969, should consist of a receptacle chest having cast or welded steel walls, top, and bottom, at least 1 inch in thickness; a steel door at least 1 1/2 inches in thickness, with a combination lock; and a chute, made of steel that is at least 1 inch in thickness, securely bolted or welded to the receptacle and to a depository entrance of strength similar to the chute. Alternatively, night depositories should be so designed and constructed as to afford at least equivalent burglary resistance. Each depository entrance (other than an envelope drop slot) should be equipped with a lock. Night depositories should be equipped with a burglar alarm and be designed to protect against the "fishing" of a deposit from the deposit receptacle, and to protect against the "trapping" of a deposit for extraction.
(v) Automated paying or receiving machines. Except as hereinafter provided, cash dispensing machines (automated paying machines), including those machines which also accept deposits (automated receiving machines) contracted for after November 1, 1973, should weigh at least 750 pounds empty, or be securely anchored to the premises where located. Cash dispensing machines should contain, among other features, a storage chest having cast or welded steel walls, top, and bottom, at least one inch in thickness, with a tensile strength of at least 50,000 pounds per square inch. Any doors should be constructed of steel at least equivalent in strength to the storage chest and be equipped with a combination lock and with & relocking device that ill effectively lock the door if the combination lock is punched. The housing covering the cash dispensing opening in the storage chest and the housing covering the mechanism for removing the cash from the storage chest, should be so designed as to provide burglary resistance at least equivalent to the storage chest and
* See footnote at end of document.