ABA Banking Journal
No Result
View All Result
  • Topics
    • Ag Banking
    • Commercial Lending
    • Community Banking
    • Compliance and Risk
    • Cybersecurity
    • Economy
    • Human Resources
    • Insurance
    • Legal
    • Mortgage
    • Mutual Funds
    • Payments
    • Policy
    • Retail and Marketing
    • Tax and Accounting
    • Technology
    • Wealth Management
  • Newsbytes
  • Podcasts
  • Magazine
    • Subscribe
    • Advertise
    • Magazine Archive
    • Newsletter Archive
    • Podcast Archive
    • Sponsored Content Archive
SUBSCRIBE
ABA Banking Journal
  • Topics
    • Ag Banking
    • Commercial Lending
    • Community Banking
    • Compliance and Risk
    • Cybersecurity
    • Economy
    • Human Resources
    • Insurance
    • Legal
    • Mortgage
    • Mutual Funds
    • Payments
    • Policy
    • Retail and Marketing
    • Tax and Accounting
    • Technology
    • Wealth Management
  • Newsbytes
  • Podcasts
  • Magazine
    • Subscribe
    • Advertise
    • Magazine Archive
    • Newsletter Archive
    • Podcast Archive
    • Sponsored Content Archive
No Result
View All Result
No Result
View All Result
Home Compliance and Risk

Confronting COVID-19: An Analysis of Surface Contamination Risks

April 21, 2020
Reading Time: 9 mins read
Confronting COVID-19: An Analysis of Surface Contamination Risks

By Paul Benda 

Officials from the Centers for Disease Control and Prevention have acknowledged that COVID-19 is a new disease and they are still learning how it spreads. Here I will outline the recent science behind the transmissibility of the virus that could lead to infection. While this is not intended specifically to address the unique challenges facing banks, it does contain information that all bank employees could find helpful in reducing risk to staff and customers, especially when they use an ATM. 

The CDC believes that the primary spread of the virus is from person to person; specifically, those in close contact (within six feet) and through respiratory droplets expelled by a person through coughing or sneezing. However, the CDC states that it may be possible for a person to become infected by touching a surface or object contaminated with the virus and then touching their mouth, nose or possibly their eyes. 

My goal here is to outline the recent science regarding the risk of infection from contaminated surfaces in an accessible manner. There are many unknowns and many variables around the ability to be infected through an indirect manner, which is why guidance from the CDC and others is always vague. This paper focuses on two different analyses, one from China that appears to show how transmission can occur in an indirect manner and the other from a recent New England Journal of Medicine study on the surface stability of SARS-CoV-2, the novel virus that causes COVID-19. Using these two papers as baseline, the following can be concluded: 

  • It is possible to be infected with SARS-CoV-2 through indirect transmission, but it appears to be exceedingly rare, and a whole series of factors must occur to make it happen.
  • With proper precautions, you should be able to minimize your risk (to near zero) from indirect transmission when you go outside your house. (This paper does not address the risk from droplet or aerosol-based infection which is why social or physical distancing is still important and people exhibiting symptoms should be avoided.) 
  • Packages and shipments you receive are likely safe without any additional action.

For standard U.S. Postal Service mail, UPS or FedEx shipments, the risk is de minimis. If it is a same-day delivery, it is still likely safe, and if left to sit for 12-24 hours at room temperature the risks become de minimis as well. 

For takeout or near real-time food delivery, the likelihood of significant contamination being on the package is still very low, especially if prepared by asymptomatic personnel, but out of an abundance of extreme caution wiping down the high-touch parts of the packaging with an approved cleaner and then washing your hands, likely reduces the risks to near zero. 

  • Items brought home such as groceries and office supplies are likely safe. 

After airborne/droplet transmission, the highest risk appears to be from high-touch surfaces such as bathroom fixtures, door handles, shopping cart handles, etc. Handle those types of interactions carefully. If you can, wipe them down before use. If you cannot, recognize after you touch them that your hands, even though very unlikely, may be contaminated. This is okay as long as you don’t touch your face and provide the virus a path into your body. 

Continue your shopping trip, making sure not to touch your face, but prior to getting back in your car or touching a surface you own, sanitize your hands and/or remove whatever gloves you have on. If you are carrying shopping bags, load them first, preferably not through the driver’s door. Then take off your gloves or sanitize your hands (and car key if used to open the door) prior to opening your driver’s door. This ensures your hands are clean and you won’t transfer virus to your door handle or, more importantly, your steering wheel. 

How likely is it that I’ll get coronavirus from a contaminated surface? 

There are a lot of news articles based upon a limited number of studies that discuss with alarm how the virus can be found on surfaces one day, four days or even weeks later. It is useful to think about how you get sick from a contaminated surface. You need three things: 

  1. You need to transfer the virus from a contaminated surface onto yourself, most likely bytouching something with your hand.
  1. You need to transfer the virus from your hand into your body. For SARS-CoV-2 it is believedto enter through your eyes, nose or mouth.
  1. You need a sufficient amount of the virus to enter your body to actually make you sick.

While there are a limited number of studies on infectious dose-rates that use measures such as a 50 percent tissue culture infectious dose (TCID50) or plaque-forming units to measure the amount of virus to make you sick, it is likely that it will require a significant number of virions (potentially thousands) to make you sick with the virus. 

For each of those steps, the amount of virus being transferred gets decreased as no transfer mechanism is 100%, so, if you work backwards to step one, someone sick needs to leave on a surface a substantial amount of viable virus—meaning it is infectious and can make you sick. 

Those two items are key and should drive how you consider risk mitigation techniques, and what it means when an article says the virus can be found on the surface three days later. Is the virus viable or does just the RNA remain of a “dead” virus? Is it in substantial quantity or only trace amounts? “What’s getting a lot of press and is presented out of context is that the virus can last on plastic for 72 hours—which sounds really scary,” says Carolyn Machamer, a professor of cell biology at Johns Hopkins School of Medicine, who has studied the basic biology of coronaviruses for years. “But what’s more important is the amount of the virus that remains. It’s less than 0.1 percent of the starting virus material. Infection is theoretically possible but unlikely at the levels remaining after a few days.” 

The important thing to remember is that the virus does degrade over time and at a substantial rate, so the one thing that can be said unequivocally is that the risk from surface contamination goes down over time at room temperatures. 

As we know people can get sick via fomites, but it appears to be very rare and is likely a combination of a perfect storm of a large amount being deposited, someone coming into contact with it after a relatively short period of time, and then creating a pathway into the body. 

Case study: Using a bank drive–through ATM 

Looking at the previous analysis, what are the concerns in completing a transaction at an ATM? An ATM touchpad could be considered a high-touch surface, and so appropriate precautions should be taken. Even though the likelihood of any level of significant contaminant being present on the buttons is low, after use simply use a hand sanitizer and the risks become negligible. 

As far as the currency removed, there is a lack of testing data on viral viability on United States currency, so we’ll use the viability data for cardboard as the closest neighbor. Based on how currency is loaded into an ATM using cassettes that fundamentally limit the physical interaction with the technician, there’s limited chances for cross contamination. Even if a bill were somehow contaminated in a significant manner, if the currency was loaded 24 hours prior, an estimated 90 percent of the virus would have already degraded and the risks become very low. If after you use the ATM, place the currency in your wallet, don’t touch your face and immediately use a 60% or higher alcohol-based hand sanitizer, your risks are negligible. 

Paul Benda is SVP for risk and cybersecurity policy at ABA. This is an excerpt from his paper with the same title. 

Tags: ATMsBank branchesCashCoronavirusRisk management
ShareTweetPin

Related Posts

White House pushes state policymakers to restrict ‘junk fees’

White House releases national cybersecurity strategy

Compliance and Risk
March 6, 2026

The White House released its strategy for securing the nation’s infrastructure and private sector against cyber threats.

FS-ISAC issues framework for increasing fraud, cybersecurity team collaboration

Trump signs executive order to combat cybercrime

Compliance and Risk
March 6, 2026

President Trump signed an executive order directing federal law enforcement agencies to develop tools to better combat transnational criminal organizations responsible for cyber scams and fraud, and to establish a program to return seized or forfeited funds from...

FATF updates list of jurisdictions with anti-money laundering deficiencies

FATF updates list of jurisdictions with anti-money laundering deficiencies

Compliance and Risk
March 6, 2026

The Financial Action Task Force has updated its lists of jurisdictions with strategic deficiencies in countering anti-money laundering, the financing of terrorism and the financing of proliferation of weapons of mass destruction.

BIS seeks financial institutions for tokenized deposits project

Banking agencies release FAQ on capital treatment of tokenized securities

Compliance and Risk
March 5, 2026

Financial institutions should treat an eligible tokenized security in the same manner as the non-tokenized form of the security under the capital rule, the Federal Reserve, FDIC and OCC said in a new FAQ.

FinCEN issues alert on identifying deepfakes targeting financial institutions

ABA Foundation, government agencies release infographic on imposter scams

Compliance and Risk
March 5, 2026

The ABA Foundation joined with multiple federal agencies to release a new infographic designed to help consumers identify and avoid increasingly sophisticated imposter scams.

New task force to tackle financial fraud, scams

Bankers urge House lawmakers to take steps to combat fraud, scams

Community Banking
March 5, 2026

Warning that banks cannot fight scams alone, bankers told House lawmakers that federal agencies need to better coordinate their efforts to mitigate the problem and that social media providers and other technology providers also need to do their...

NEWSBYTES

White House releases national cybersecurity strategy

March 6, 2026

Trump signs executive order to combat cybercrime

March 6, 2026

IRS proposes regulations to implement Trump Accounts

March 6, 2026

SPONSORED CONTENT

How top agricultural lenders are approaching AI, automation and innovation in 2026

How top agricultural lenders are approaching AI, automation and innovation in 2026

March 2, 2026
Top 7 FP&A Trends in Banking for 2026

Top 7 FP&A Trends in Banking for 2026

March 1, 2026
How Instant Payments Can Accelerate B2B Payments Modernization

How Instant Payments Can Accelerate B2B Payments Modernization

February 3, 2026
Digital Banking: The Gateway to Customer Growth and Competitive Differentiation

Digital Banking: The Gateway to Customer Growth and Competitive Differentiation

February 1, 2026

PODCASTS

Podcast: How the SCAM Act would encourage platforms to go after scammers

February 4, 2026

A new kind of ‘community bank’ for small businesses

January 22, 2026

Podcast: A Lone Star banking perspective

January 15, 2026

American Bankers Association
1333 New Hampshire Ave NW
Washington, DC 20036
1-800-BANKERS (800-226-5377)
www.aba.com
About ABA
Privacy Policy
Contact ABA

ABA Banking Journal
About ABA Banking Journal
Media Kit
Advertising
Subscribe

© 2026 American Bankers Association. All rights reserved.

No Result
View All Result
  • Topics
    • Ag Banking
    • Commercial Lending
    • Community Banking
    • Compliance and Risk
    • Cybersecurity
    • Economy
    • Human Resources
    • Insurance
    • Legal
    • Mortgage
    • Mutual Funds
    • Payments
    • Policy
    • Retail and Marketing
    • Tax and Accounting
    • Technology
    • Wealth Management
  • Newsbytes
  • Podcasts
  • Magazine
    • Subscribe
    • Advertise
    • Magazine Archive
    • Newsletter Archive
    • Podcast Archive
    • Sponsored Content Archive

© 2026 American Bankers Association. All rights reserved.