I have read the posts where someone brings in old coins to a bank for a deposit and the teller sweeps them up for himself with out telling the depositor what they really have. Witholding information like that is akin to robbery or at the least ripping the person off. Many times people have asked me if they should just deposit their old coins? I emphatically tell them NO and that I would have the apraised. When evaluating a coin collection that a friend had inherited from his father I found 2 key dates, a 1916 quarter and a 1916-D Mercury Dime both in VG condition. Could I have cherry picked them and replaced them with different dates and not told my friend, sure, but that would that say about me as a person? I think it is very unethical to let people deposit valuable coins and not tell them about it, especially if you are a numismatist and no matter what your day job is!