Undercounter Lock Systems:Security Solutions for Teller Stations
Comprehensive overview of undercounter security systems and their role in modern banking operations. Learn about lock types, compliance requirements, and best practices.
In the fast-paced environment of modern banking, teller stations remain at the heart of customer interaction and daily cash handling. While vaults and ATMs tend to draw the most attention, the undercounter lock system plays a crucial role in maintaining security, controlling access, and protecting both staff and assets.
At Exum Services Inc., we specialise in the installation, maintenance, and upgrade of undercounter lock systems that meet today's highest security standards. In this guide, we break down the essential features, compliance considerations, and best practices for these often-overlooked but mission-critical components of physical bank security.
What Are Undercounter Lock Systems?
Secure compartments located beneath teller counters and in back-office cash handling stations
Undercounter lock systems are secure compartments located beneath teller counters and in back-office cash handling stations. These compartments come in various configurations, including drawer vaults, locking cabinets, and cash lockers, and are equipped with advanced locking mechanisms to prevent unauthorised access.
Used to Store:
Why Teller Lock Security Matters
Teller stations are high-traffic, high-exposure zones. Without proper protection, they become easy targets for:
An effective undercounter lock system provides rapid access for authorised users while safeguarding cash and documents when the teller steps away — especially during shift changes, customer disputes, or emergency situations.
Types of Undercounter Locking Mechanisms
At Exum Services Inc., we offer a wide range of lock configurations based on the institution's operational and risk profile
Keyed Locks
Simple, reliable, and cost-effective — best for low-risk environments with minimal turnover.
Key Features:
Combination & Dual-Control
Ideal for higher-security stations or shared access areas. Require two methods of authentication.
Key Features:
Electronic Locks
Programmable access with time restrictions and user tracking. Recommended for audit trails.
Key Features:
Biometric Access
Fast, touch-based access via fingerprint or secure swipe card — ensures only assigned personnel gain entry.
Key Features:
Compliance Considerations for Teller Lock Systems
Undercounter lock systems must support FDIC physical security program requirements under 12 CFR Part 326
FDIC Requirements Include:
Our certified solutions help ensure your teller stations are audit-ready and insurance-compliant.
Exum Services Compliance Support
We work closely with banks and credit unions to ensure their physical security setups not only deter threats but meet or exceed FDIC expectations.
Best Practices for Installation and Use
Here's what we recommend to ensure your undercounter locking system serves you effectively
Customise Configuration Per Station
Tailor the layout based on the teller's daily workflow, left/right hand orientation, and storage needs.
Use Color-Coded or Numbered Keys
Helps prevent cross-use and ensures quick identification in multi-lock setups.
Train Staff on Access Protocols
Ensure tellers are trained to lock compartments whenever unattended — even briefly.
Integrate with Alarm Systems
Some advanced locks can connect to panic buttons or time-delay triggers during robbery attempts.
Schedule Regular Maintenance
Locks should be inspected quarterly for wear, battery power, and misalignment.
Upgrade Your Security with Exum Services Inc.
Whether you're equipping a new branch or modernising outdated teller lines, we provide expert consultation, tailored installations, and long-term service plans
Accessibility
Quick and easy access for authorized personnel during daily operations
Accountability
Comprehensive audit trails and access logging for compliance requirements
Defence
Advanced security features to protect assets and deter unauthorized access
We help institutions strike the perfect balance between accessibility, accountability, and defence — empowering your staff while protecting your assets.
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Looking to Upgrade Your Teller Station Security?
Contact Exum Services Inc. today to schedule an assessment and explore our full range of undercounter lock solutions.