Automatic Teller Fraud is not a particularly easy scam to pull off,
as it requires either advanced hacking techniques (TRW or banks) or
serious balls (trashing a private residence or outright breaking and
entering), but it can be well worth your while to the tune of $500
(five hundred) a day.
Laws that will be broken: Credit Fraud, Wire Fraud, Bank Fraud, Mail
Fraud, Theft Over $200, Forgery, and possibly a few others in the
course of setting the scheme up.
The first step is to target your victim. The type person you are
looking for is rich. Very rich.
Now, don't go trying to hit on J.P. Getty or Johnny Carson or someone
who carries a high name recognition. This will just get you into
trouble as everyone notices a famous person's name floating across
their desk.
Instead look for someone who owns a chain of hog feed stores or
something discreet like that. For example, target a gentleman who is
quite active in the silver market, owning several mines in South
Africa. Not wanting this to be widely known, he will avoid publicity.
Next step, take out a P.O. box in this person's name.
Now comes the fun part, requiring some recon on your part. You need
to know some fairly serious details about this person's bank
dealings.
1) Find out what bank he deals with mainly. This isn't too
difficult as a quick run through his office trash will usually let
you find deposit carbons, withdrawal receipts, or *anything* that has
the bank name on it.
2) Find out the account number(s) that he has at the bank. This can
usually be found on the above-mentioned receipts. If not, you can
get them in TRW (easier said than done) or you can con them out of a
hassled bank teller over the phone (Use your imagination. Talk
slowly and understandingly and give plausible excuses ["I work for
his car dealership, we need to do a transfer into his account"].)
2a) [optional] If you can, find out if he has an ATM (Automatic
Teller) card. You don't need to know numbers or anything, just if a
card exists. This can also be ascertained over the phone if you
cajole properly.
3) Armed with this information, go into action.
a) Obtain some nice (ivory quality) stationary. It doesn't have to
be engraved or anything, but a $5 or $10 investment to put a
letterhead with his initials or something on it couldn't hurt. But
the most important thing is that it look good.
b) Type a nice letter to the bank notifying them of your address
change. Some banks have forms you have to fill out for that sort of
thing, so you need to check with the bank first (anonymously, of
course). You will have to have a good copy of his signature on hand
to sign all forms and letters (again, trash his office).
c) Call the bank to verify the new address.
d) IMMEDIATELY upon verifying the change of address, send a second
letter. If he already has an ATM card, request a second card with
the business name engraved in it be sent for company use. If he
doesn't have an ATM card, the letter should request one for account
number xxxxxx. Ask for two cards, one with the wife's name, to add
authenticity.
e) Go to the bank and ask for a list of all ATM's on the
bank's network. Often the state has laws requiring *all* machines
take *all* cards, so you'll probably be in good shape.
f) Await the arrival of your new card. The PIN (personal
identification number) is included when they send out a card. After
picking up the card, forget that you ever even *knew* where the p.o.
box was, and make sure you didn't leave fingerprints.
g) Begin making the maximum daily withdrawal on the card (in most
cases $500/day), using a different machine each time. Since many of
these machines have cameras on them, wear a hat and jacket, or a ski
mask to be really paranoid. To cut the number of trips you have to
make in half, be at an ATM a few minutes before midnight. Make one
$500 withdrawal right before midnight, and another one right after.
This cuts down on the number of trips, but police or bank officials
may spot the pattern and start watching machines around midnight.
Use your own judgement.
Conclusion: Before using the card, make sure that all fingerprints
are wiped from it. Usually the first hint you will have that they
have caught on to your scam is that the machine will keep the card.
Also, avoid using machines in your own town unless it is a big city
(Chicago, Milwaukee, Dallas, etc...).
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