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Frequently Asked

What is risk management?

Risk Management is the identification, assessment, and prioritization of risks followed by the coordinated and economical application of resources to minimize, monitor, and control the probability and/or impact of unfortunate events or to maximize the realization of opportunities. OSS applies Risk Management techniques to a wide variety of business, including high-risk industries, through:


  • A thorough understanding of applicable rules, laws and regulations,
  • Establishment of both internal and external compliance programs that build off of enhanced communications between OSS, highly regulated businesses, and Financial Institutions (FIs), and
  • Deployment of best-in-class equipment, techniques and qualified personnel
Where does OSS provide secure cash logistics services?

OSS currently provides our full suite of services in major markets on the West and East Coasts.

  • West Coast operations include California and Nevada, with limited service offerings to Washington and Oregon.
  • East Coast operations service New York, New Jersey, Pennsylvania, Washington D.C., Maryland, Northern Virginia and West Virginia.
What is the difference between OSS and other armored car service providers?

OSS is the premier risk management provider for all financial institutions. Some of our differentiators include:

  • Dedicated client services representative
  • Supporting FIs with highly regulated business customers
  • Record of ZERO LOSS to date, with over $5 billion moved
  • Discreet service with unmarked, but armored, transport vehicles
  • We NEVER subcontract and only utilize armed couriers who are former law enforcement or military personnel
  • Extensive licenses, certifications and insurance protections
  • Best-in-class compliance offerings that keep highly regulated businesses and their bank accounts open for long-term success
What is the depository timeline with OSS CIT services? How soon will my money show up in my business account?

While the timing is always dependent on your specific financial institution partner, the average turnaround time from cash pickup at your location until accessible funds are available in a commercial account is between 48 and 72 hours. Nevertheless, OSS submits regular reports and verified documentation to you and your financial institution during every step of our Cash-In-Transit process. OSS recommends a conversation with your financial institution regarding the exact timing of deposits into your bank account.

How do I get started with OSS?

It’s as easy as following the link on our website or reaching out to an OSS Client Relationship Manager. The OSS client onboarding process is streamlined to make partnering with OSS a hassle-free process. You can get started at

What kind of vehicles does OSS use to transport cash?

OSS maintains a fleet of up-armored vehicles registered with the authorities in each state of operation (re: State Corporation Commission and the State Police) that are fully-licensed and unmarked . The vehicles are designed to be discreet and blend into everyday traffic. You’ve seen us, you just didn’t know it was us…

Are the OSS couriers armed?

All OSS couriers are armed and have ballistic armor protection, but like our vehicles, we have taken the most discreet approach possible to not draw attention to our couriers or our activities. Couriers wear plain clothes with all weapons and armor discreetly concealed.

Is my money insured? Is there a cash limit that can be transported?

While OSS has never incurred a loss, theft, or seizure of funds, we provide best-in-class insurance protections that cover 100% of your funds as soon as our couriers pick it up. The coverage covers all loss scenarios during the pickup, transport, count validation and vaulting, and all the way through to the ultimate deposit in a Federal Reserve Bank. Standard rates apply for cash movements up to $2 million, but there are no minimum or maximum amounts that can be transported – just note that cash movements greater than $2 million require additional logistics that OSS employs to maximize safety and security for all involved parties. Finally, OSS has comprehensive insurance coverages for General Liability, Workers’ Compensation, and armored vehicles and our vaulting facility to ensure that your funds are safe.

My credit union doesn’t provide change like other commercial banks. Can I receive change orders from OSS?

Yes – OSS currently services change/currency order requests, as well as ATM / cash recycler service, for the Financial Institutions we serve. As long as the services are approved and provided through your financial institution’s banking program, OSS can provide any amount of coin or currency note delivery as part of our routine Cash-In-Transit service.

Can you help my business open a bank account?

Yes – OSS has contracted relationships with more than two-dozen financial institutions that service highly regulated businesses. OSS is able to introduce clients to financial institutions that could service their business locations; assist with the onboarding process; and service all security and Cash-In-Transit needs.

What kind of couriers does OSS employ?

All OSS couriers have an average of 15 years relevant military and/or law enforcement experience. Each courier must go through a comprehensive background screen and complete both tactical and compliance training (and refresher training), every year.