Bank Vault

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Bank Vault


A bank vault is a secure space where money, valuables, records, and documents can be stored. Vaults protect their contents with armored walls and a tightly fashioned door closed with a complex lock. Vault technology developed in a type of arms race with bank robbers. As burglars came up with new ways to break into vaults, vault makers found innovative ways to foil them. Modern vaults may be armed with a wide array of alarms and anti-theft devices. Some nineteenth and early twentieth century vaults were built so well that today they are almost impossible to destroy. Buildings have been renovated around them. A restaurant in a restored bank building even features a dining area inside the indestructible vault. These older vaults were typically made with steel-reinforced concrete. The walls were usually at least 1 ft (0.31 m) thick, and the door itself was typically 3.5 ft (1.1 m) thick. Total weight ran into the hundreds of tons. Today vaults are made with thinner, lighter materials that, while still secure, are easier to dismantle than their earlier counterparts.


The need for secure storage stretches far back in time. The earliest known locks were made by the Egyptians. Ancient Romans used a more sophisticated locking system, called warded locks. Warded locks had special notches and grooves that made picking them more difficult. Lock technology advanced independently in ancient India, Russia, and China, where the combination lock is thought to have originated. In the United States, most banks relied on small iron safes fitted with a key lock up until the middle of the nineteenth century. After the Gold Rush of 1849, unsuccessful prospectors turned to robbing banks. The prospectors would often break into the bank using a pickaxe and hammer. The safe was usually small enough that the thief could get it out a window, and take it to a secluded spot to break it open.

Banks demanded more protection and safe makers responded by designing larger, heavier safes. Safes with a key lock were still vulnerable through the key hole, and bank robbers soon learned to blast off the door by pouring explosives in this opening. In 1861, inventor Linus Yale Jr. introduced the modern combination lock. Bankers quickly adopted Yale's lock for their safes, but bank robbers came up with several ways to get past the new invention. It was possible to use force to punch the combination lock through the door. Other experienced burglars learned to drill holes into the lock case and use mirrors to view the slots in the combination wheels inside the mechanism. A more direct approach was to simply kidnap the bank manager and force him to reveal the combination.

After the inventions of the combination lock, James Sargent—an employee of Yale—developed the "theftproof lock." This was a combination lock that worked on a timer. The vault or safe door could only be opened after a set number of hours had passed, thus a kidnapped bank employee could not open the lock in the middle of the night even under force. Time locks became widespread at banks in the 1870s. This reduced the kidnappings, but set bank robbers to work again at prying or blasting open vaults. Thieves developed tools for forcing open a tiny crack between the vault door and frame. As the crack widened, the thieves levered the door open or poured in gunpowder and blasted it off. Vault makers responded with a series of stair-stepped grooves in the door frame so the door could not be levered open. Unfortunately, these grooves proved ideal for a new weapon: liquid nitroglycerin. Professional bank robbers learned to boil dynamite in a kettle of water and skim the nitroglycerin off the top. They could drip this volatile liquid into the door grooves and destroy the door. Vault makers subsequently redesigned their doors so they closed with a thick, smooth, tapered plug. The plug fit so tightly that there was no room for the nitroglycerin.

By the 1920s, most banks avoided using safes and instead turned to gigantic, heavy vaults with walls and doors several feet thick. These were meant to withstand not only robbers but also angry mobs and natural disasters. Despite the new security measures, these vaults were still vulnerable to yet another new invention, the cutting torch. Burning oxygen and acetylene gas at about 6,000°F (3,315°C), the torch could easily cut through steel. It was in use as early as 1907, but became wide spread with World War I. Robbers used cutting torches in over 200 bank robberies in 1924 alone. Manufacturers learned to sandwich a copper alloy into vault doors. If heated, the copper alloy melted and flowed. As soon as the burglar removed the heat, the copper resolidified, sealing the hole. After this design improvement, bank burglaries fell off and were far less common at the end of the 1920s than at the beginning of the decade.

Technology continues in the race with bank robbers, coming up with new devices such as heat sensors, motion detectors, and alarms. Bank robbers have in turn developed even more technological tools to find ways around these systems. Although the number of bank robberies has been cut dramatically, they are still attempted.

Born June 22, 1903 in Indianapolis, John Dillinger was raised by his sister and stepmother. In 1924 he was arrested for attempted robbery and sentenced to 10-20 years in prison. Confinement trained Dillinger as a criminal and leaving prison in 1933, he carried a map of prospective robbery sites. In three weeks Dillinger robbed 10 banks in five states. Known as "Gentleman Johnnie," he was pleasant and often flirtatious during robberies. The press played Dillinger up as a brilliant, daring, likeable individual, beating the banks that foreclosed on helpless debtors.

Other criminals joined Dillinger, forming the Dillinger Gang. Banks were cased and robberies were timed. The heist was abandoned—no matter what—after a certain amount of time had passed. Getaways were also planned precisely: street lights were timed with back roads and alternate routes noted in the plans. Often, the gangsters didn't race out of town, they casually motored through back roads. FBI director, J. Edgar Hoover increased the reward for Dillinger and issued agents shoot to kill. The Dillinger pursuit was the largest manhunt in the country's history.

In 1934, Dillinger's friend—Anna Sage—agreed to betray Dillinger. On July 22, 1934, Sage, Dillinger, and Dillinger's girlfriend Polly Hamilton attended a movie on Chicago's North Side where Federal agents gunned Dillinger down. Following his death, the FBI press announced Dillinger was shot after resisting arrest and attempting to draw a pistol. Other members of Dillinger's gang were incarcerated or killed in shootouts with police. The reign of John Dillinger and his gang had come to an end. However, Dillinger's exploits earned him a lasting place in American crime history.

Materials used in vaults and vault doors have also changed as well. The earlier vaults had steel doors, but because these could easily be cut by torches, different materials were tried. Massive cast iron doors had more resistance to acetylene torches than steel. The modern preferred vault door material is actually the same concrete as used in the vault wall panels. It is usually clad in steel for cosmetic reasons.

Raw Materials

Vault walls and doors are comprised mainly of concrete, steel rods for reinforcement, and proprietary additives to give the concrete even more strength.


Bank vaults are built as custom orders. The vault is usually the first aspect of a new bank building to be designed and built. The manufacturing process begins with the design if the vault, and the rest of the bank is built around it. The vault manufacturer consults with the customer to determine factors such as the total vault size, desired shape, and location of the door. After the customer signs off on the design, the manufacturer configures the equipment to make the vault panels and door. The customer usually orders the vault to be delivered and installed. That is, the vault manufacturer not only makes the vault parts, but brings the parts to the construction site and puts them together.

Bank vaults are typically made with steel-reinforced concrete. This material was not substantially different from that used in construction work. It relied on its immense thickness for strength. An ordinary vault from the middle of the century might have been 18 in (45.72 cm) thick and was quite heavy and difficult to remove or remodel around. Modern bank vaults are now typically made of modular concrete panels using a special proprietary blend of concrete and additives for extreme strength. The concrete has been engineered for maximum crush resistance. A panel of this material, though only 3 in (7.62 cm) thick, may be up to 10 times as strong as an 18 in-thick (45.72-cm) panel of regular formula cement.

The Manufacturing

The panels

  • 1 The first step in the process is to mold the wall panels. Unlike regular concrete used in construction, the concrete for bank vaults is so thick that it cannot be poured. The consistency of concrete is measured by its "slump." Vault concrete is said to have zero slump. It also sets very quickly, drying in only six to 12 hours, instead of the three to four days needed for most concrete. Workers dump the concrete mix into the panel molds.
  • 2 Next, a network of reinforcing steel rods are manually placed into the damp mix.
  • 3 Then the molds are vibrated for several hours. The vibration settles the material and eliminates air pockets.
  • 4 The edges are smoothed with a trowel, and the concrete is allowed to harden.
  • 5 Workers unmold the product and place the panels on a truck for transport to the customer's construction site.

The door

  • 6 The vault door is also molded of special concrete used to make the panels, but it can be made in several ways. The door mold differs from the panel molds because there is a hole for the lock and the door will be clad in stainless steel. Some manufacturers use the steel cladding as the mold and pour the concrete directly into it. Other manufacturers use a regular mold and screw the steel on after the panel is dry.

The lock

  • 7 The lock for a modern bank vault is usually a dual-control combination lock, meaning it takes two people to open it. This lock is connected to a time lock that can be set so the combination lock will not open until the pre-set number of hours has passed. This is still the "theftproof" lock system that Sargent invented in the late nineteenth century. Such locks are manufactured by only a few companies worldwide. The locking system is supplied already assembled to the vault manufacturer.


  • 8 The finished vault panels, door, and lock assembly are trucked to the bank construction site. The vault manufacturer's workers then place the panels enclosed in steel at the designated spots and weld them together. The vault manufacturer may also supply an alarm system, which is installed at the same time. While older vaults were armed with multiple weapons against burglars, such as blasts of steam or teargas, this is rarely found in modern vaults. Instead the vault door and interior might be wired with a listening device that picks up unusual or unusually frequent sounds. The vault may also be surveyed with a camera and an alarm will be hooked up to alert local police if the door or lock is tampered with.

Quality Control

Quality control for the vault industry is overseen by Underwriters Laboratory, Inc. (UL), in Northbrook, Illinois. Until 1991, the United States government also regulated the vault industry. The government set minimum standards for the thickness of vault walls, but advances in concrete technology made thickness an arbitrary measure of strength. Thin panels of new materials were far stronger than the thicker, poured concrete walls. Now the effectiveness of the vault is measured by how well it performs against a mock break-in. Manufacturers strive to make products that repel attacks for a certain number of minutes. A UL Class 1 vault is guaranteed to withstand a break-in attempt for 30 minutes, a Class 2 for 60 minutes, and a Class 3 for 120 minutes. UL's workers attack sample vault walls and doors with equipment that is likely a burglar could carry into a bank and use. This usually includes torches and demolition hammers. If the UL worker can make a hole of at least 6 × 16 in (15.24 × 40.64 cm) in less than the set time, that particular part has failed the test. Manufacturers also do their own testing designing a new product to make sure it is likely to succeed in UL trials.


The manufacturing process itself has no unusual waste or byproducts, but getting rid of old bank vaults can be a problem. Newer, modular bank vaults can be moved if a bank closes or relocates. They can also be enlarged if the bank's needs change. Older bank vaults are quite difficult to demolish. If an old bank building is to be renovated for another use, in most cases a specialty contractor has to be called in to demolish the vault. A vault's demolition requires massive wrecking equipment and may take months of work at a large expense. At least one company in the United States refurbishes old vault doors that are then resold.

The Future

Bank vault technology changed rapidly in the 1980s and 1990s with the development of improved concrete material. Bank burglaries are also no longer the substantial problem they were in the late nineteenth century up through the 1930s, but vault makers continue to alter their products to counter new break-in methods.

At issue in the twenty-first century is a powerful tool called a "burning bar" or "thermic torch." Burning liquid oxygen ignited by a oxyacetylene torch, this bar burns much hotter than an acetylene torch, getting up to 6,602-8,006°F (3,650-4,430°C). The torch makes a series of small holes that can eventually be linked to form a gap. In the future, the vault manufacturing industry will likely come up with a means to combat the burning bar. Then perhaps criminals will find a more powerful tool, and the industry will change its products again. Vault manufacturers work closely with the banking industry and law enforcement in order to keep up with these advances in burglary.

Where to Learn More


Steele, Sean P. Heists: Swindles, Stickups, and Robberies that Shocked the World. New York: Metrobooks, 1995.

Tchudi, Stephen. Lock & Key. New York: Charles Scribner's Sons, 1993.


Chiles, James R. "Age-Old Battle to Keep Safes Safe from 'Creepers, Soup Men and Yeggs.'" Smithsonian (July 1984): 35-44.

Merrick, Amy. "Immovable Objects, If They're Bank Vaults, Make Nice Restaurants." Wall Street Journal (5 February 2001): Al.