Banks vs. Check Cashing Locations: Why Bullet Resistant Glass Failed to Deter Bank Robberies

When check cashing locations opened in the USA, they all featured indoor bullet-resistant teller windows, and it was believed that none would ever face a robbery at gunpoint. However, this assumption is far from accurate. In fact, check cashing places don't get robbed as often as banks for one primary reason: they don't keep as much cash on hand as banks do. This article will explore the effectiveness of bullet-resistant glass in preventing robberies and why banks have a lower risk of being robbed nowadays.

The Reality of Check Cashing Location Robberies

A recent incident in Tulsa, Oklahoma, where a check cashing employee was robbed at gunpoint, serves as a stark reminder that the "probably none have ever been robbed at gunpoint" assumption is incorrect. This event occurred in the same city where I reside, highlighting the inherent risks faced by check cashing locations. Unlike banks, which typically keep large amounts of cash on hand, check cashing places usually handle smaller amounts. Consequently, they face fewer attempts at robbery, but when robberies do occur, they can be more violent due to the lack of security measures.

Why Banks Are Safer Than Check Cashing Locations

Banks have taken note of the high risk of being robbed and have implemented several security measures. For instance, bullet-resistant glass is often installed at teller windows in locations deemed high risk. However, banks still face the risk of robbery due to other factors. The presence of hostages in the lobby, for example, can significantly increase the risk of violence. Most robberies are non-violent, and the priority for bank staff is to ensure the safety of everyone involved. This often involves cooperating with the robber and sounding the alarm to get the police involved.

The Effectiveness of Bullet Resistant Glass

Bullet-resistant glass is supposed to provide an extra layer of security by deterring robbers and protecting bank staff. However, its effectiveness is limited. In cases where the robber takes a hostage, the glass offers little protection. Banks could also implement airlock doors and other security measures, but these can discourage legitimate customers from doing business. The high success rate of bank robbery investigations (often leading to arrest and conviction) and the real risk of injury or death to tellers mean that banks instruct their staff to cooperate while triggering alarms.

Why Banks Aren't Robbed at Gunpoint Anymore

It is not accurate to say that banks are robbed at gunpoint because they can be, but it is becoming increasingly rare. The risks are too high, and the chances of being caught are very high. According to data, the vast majority of bank robbers are eventually apprehended. Therefore, the financial and legal risks do not make robbery a profitable endeavor. While bullet-resistant glass can offer a false sense of security, it is not a foolproof measure. Convenience stores and all-night liquor stores, which also keep large amounts of cash, would benefit more from such security measures.

In conclusion, while bullet-resistant glass can be a deterrent, it is not the sole solution to preventing robberies. The effectiveness of these measures depends on the specific circumstances and the behavior of the robbers. The focus should be on a multi-layered approach to security that includes both physical measures and personnel training to ensure the safety of everyone involved in the transaction.