Yes, it's generally legal to duplicate safety deposit box keys in most states, and many locksmiths and key duplication services offer this service. However, there are important considerations.
Legality and Restrictions
While duplicating a safety deposit box key isn't usually illegal, the process often involves specific protocols and may be restricted by the bank or financial institution that owns the safety deposit box.
- No Federal Law Prohibiting Duplication: There isn't a federal law that explicitly prohibits the duplication of safety deposit box keys.
- State Laws May Vary: While generally permissible, state laws can differ slightly. It's wise to check local regulations.
- Bank Policies: The most significant restrictions often come from the bank or credit union where the safety deposit box is located. They have policies in place to protect the security of their boxes and the contents within.
Common Practices and Procedures
If you need a duplicate safety deposit box key, expect the following:
- Proof of Ownership: The bank will likely require proof that you are the authorized owner or renter of the safety deposit box. This typically involves presenting identification matching the name on the rental agreement.
- Permission Required: The bank might require you to obtain written permission from them before a locksmith can duplicate the key.
- Authorized Locksmiths: Some banks may have a list of authorized locksmiths that they work with and trust. You may be required to use one of these locksmiths.
- Locksmith Verification: The locksmith might contact the bank to verify your authorization before proceeding with the duplication.
- Dual Custody Systems: Remember that safety deposit boxes operate on a dual-custody system. You need your key AND the bank's key to open the box. Duplicating your key doesn't compromise the bank's security measures.
Potential Reasons for Duplication
- Lost Key: The most common reason for duplication is when the original key is lost or misplaced.
- Giving Access to Another Person: If you want to grant someone else access to the box, you might want to provide them with a copy of the key. (Note: the bank will need to formally authorize that person to access the box)
- Peace of Mind: Having a spare key can provide peace of mind in case the original is damaged or lost.
Things to Consider
- Contact your bank first. Their policies will dictate the proper procedure.
- Choose a reputable locksmith. Security is paramount.
- Keep the duplicate key secure. You don't want it falling into the wrong hands.
