Since the very first report of a robber sticking up a customer outside an ATM, banks have been working diligently to prevent face-to-face theft. They've added lighting, closed kiosks, security cameras and even security guards to deter the man with the gun looking for an opportunity.
But in recent years, robbers have taken as much as $1 billion in a single year without ever drawing a gun or looking a single customer in the eye. They steal cards and suspend wireless cameras over the PIN pads to capture customers' ID numbers.
As the crimes become more sophisticated, so do the methods of deterring them. One company is offering a system that will make the card slot vibrate to prevent card skimmers from collecting magnetically recorded information.
Some banks and stores are recommending low-tech solutions, as well. They're simply asking their maintenance crews to see if they spot any cameras suspended over the PIN pads when they make their rounds.