You finish your transaction at the teller window and walk out to the parking lot. You might check your phone or search for your keys as you head to your car. You toss the bank envelope on the passenger seat and drive to your next errand. It feels like a typical day, but someone may have been watching your every move.
This scenario describes a crime trend known as “jugging.” It has become a growing concern for law enforcement and financial institutions nationwide. Thieves are not hacking into accounts or using advanced technology in these cases. Instead, they use patience and surveillance to target customers who have just withdrawn cash.
The good news is that you can stop these criminals by spotting the signs early. Understanding how jugging works is the first step toward keeping yourself and your money safe.
Understanding how jugging works
The term “jugging” refers to a scheme where criminals park outside a bank, ATM, or check-cashing store to watch customers. They look for specific behaviors that suggest a person is carrying a significant amount of cash. This might include someone walking out with a bank envelope, holding a money bag, or spending a long time at a teller window.
Once they identify a target, they follow that person to their next location. This could be a grocery store, a gas station, or even the victim’s home. When the victim leaves their car unattended or is distracted, the thief strikes. They might break into the vehicle to steal the cash left inside or, in more dangerous situations, approach the victim directly.
Recognizing the warning signs
Thieves involved in jugging often rely on blending in, but there are red flags you can spot if you are paying attention. Be wary of individuals loitering in the lobby or parking lot without conducting any business. They may be hanging around simply to watch customers.
Pay attention to vehicles that are occupied in the parking lot. Criminals often back their cars into parking spaces. This gives them a clear view of the front door and makes it easier to drive away quickly. If you see a car with tinted windows parked far from the entrance but facing the door, proceed with caution.
Simple steps to reduce your risk
You can make yourself a harder target by changing a few small habits. The most important thing is to be aware of your surroundings. Put your phone away before you leave the bank. Being distracted makes you vulnerable because you are less likely to notice if someone is watching you.
Conceal your cash immediately.
Do not walk out of the bank with cash in hand or in a visible bank envelope. Put the money in your wallet, purse, or pocket before you step outside. If you have a large amount, place it in a nondescript bag. Thieves look for the tell-tale shape of a bank envelope.
Lock your car instantly.
As soon as you get into your vehicle, lock the doors. Do not sit in the parking lot counting your money or organizing your receipts. If you need to stop at another location, never leave cash or valuables in your car, even if you lock it. It only takes a few seconds for a thief to break a window and grab a bag.
Use digital banking options.
One of the most effective ways to avoid cash-related theft is to carry less cash. Heritage Bank NA offers secure digital banking tools that allow you to pay bills, transfer funds, and manage your accounts without visiting a branch. Using a debit card or mobile wallet for purchases reduces the need for physical currency.
What to do if you are being followed
If you leave the bank and notice the same car behind you for several turns, do not ignore it. Trust your instincts.
Do not go home.
Driving home allows the criminal to learn where you live, which puts you and your family at risk. Avoid stopping at a quiet or isolated place.
Head to safety.
Drive directly to the nearest police station or fire station. If that is not an option, drive to a heavily populated, well-lit area.
Call for help.
Call 911 immediately. Tell the dispatcher that you believe you are being followed after leaving a bank. Stay on the line with them and follow their instructions until law enforcement arrives.
Stay vigilant to stay safe
Your safety is the priority. Jugging is a crime of opportunity, and thieves prefer targets that are distracted or unaware. By staying alert and keeping your cash out of sight, you can significantly lower your risk. If you ever feel unsafe while visiting one of our branches, please let a Heritage Bank NA employee know immediately. We are here to help ensure your banking experience is secure from start to finish.
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