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In the United States, the duration banks keep ATM surveillance footage varies depending on federal regulations, state laws, and individual bank policies. However, here are the general guidelines:-
Typical Retention Periods
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30 to 90 Days:
- Most banks retain ATM surveillance footage for '30 to 90 days', which is sufficient to investigate most disputes, fraud claims, or criminal activities.
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Longer Retention for Legal or Investigative Purposes:-
- If the footage is associated with a reported crime, legal investigation, or dispute, it may be retained for a longer period (months or even years) as required by law enforcement or legal obligations.
Factors Affecting Retention Period
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Bank Policies:-
- Individual banks set their own retention periods, typically balancing storage costs and compliance requirements.
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State Laws:-
- Some states may have specific regulations that influence how long financial institutions retain surveillance footage.
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Federal Regulations:-
- Financial institutions are required to comply with laws like the **Bank Secrecy Act (BSA)**, which may indirectly impact surveillance policies.
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Storage Capacity:-
- High-definition footage and storage limitations may affect how long banks can feasibly retain video data.
Exceptions
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High-Value Transactions or Fraud:- Footage involving suspicious or large transactions may be archived for extended periods.
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Legal Holds:- If a court or law enforcement requests the footage, it may be retained indefinitely until the matter is resolved.
If you need specific footage from an ATM, it’s advisable to contact the bank or law enforcement as soon as possible. Banks are more likely to retrieve and preserve footage if a request is made within their standard retention period.
What else can I help you with?
Is there a law on how long a US bank must keep video surveillance?
There is no federal law dictating how long a US bank must keep video surveillance footage. However, banks are subject to state laws and regulations which may stipulate specific retention periods for video surveillance footage. Banks typically retain footage for a certain period to comply with legal requirements and for security purposes.
How long do ATMs keep surveillance footage?
Non-bank branded ATMs (like the ones you find in gas stations and bars) generally do not have integrated surveillance cameras, so the only surveillance footage would be what is retained by the store's general surveillance system. Stores with digital CCTV will retain 7-60 days of footage, which is enough to aid in almost all credit card fraud investigations. Bank branded ATMs (especially ones located at actual banks) generally retain at least 90 days of footage, although 365 days of retention is pretty common. Because certain types of fraud can take months to discover, it is worth it for the banks to pay the extra cost to have enough hard drives to store a year's worth of footage. As a federal agent who investigates financial crimes involving banks, I have never seen a bank retain more than two years of general surveillance footage unless they had a reason to suspect a customer or teller of fraud.
How to request surveillance footage from chase bank?
To request surveillance footage from Chase Bank, you should first contact the local branch where the incident occurred and speak with a manager or customer service representative. Provide details about the date, time, and nature of your request, as well as your identification. For legal matters, you may need to submit a formal written request or involve law enforcement if required. Keep in mind that banks may have specific policies regarding the release of surveillance footage.
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