TD Bank Whitestone, NY

If anyone lives in New York and Coin Roll hunts over in New York be careful of the TD Bank on 14th Avenue and Cross Island Parkway service road in Whitestone, NY. A teller there had a 90% silver Kennedy Half in plain sight in their change drawer and tried to refuse it to me by saying that it was "no good" and only offered to give me the copper nickel clad half dollars. Every time this bank has halves in stock, they only give out the copper nickel clad half dollars, never the silver. This time they had a silver half and I had to fight hard to get it. Avoid this bank if you want any silver half dollars.

 

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The teller probably knows what it is and decides he/she wants it. I don't blame them, Bank tellers don't make 7 figures a year. If I were a bank teller I'd consider getting silver 90% a job benefit.
Similiar to what @bugo does at work. No shame in that.

 

There should still be fair access to silver half dollars if they are going to remain out in circulation. If banks are going to have the right to refuse silver half dollars to the public, especially when they are in plain sight, then why doesn't the treasury withdraw silver halves from circulation and turn them over to the GSA so that they can sell them to the public like they did with the CC mint morgan dollars. At least access to silver halves would be fairer this way and there wouldn't be issues with free bullion.

 

What would you have done if you were the teller? No! I wouldn't believe you if you said you'd give it to the customer knowing that it was silver.

Chris

 

See what bank policy is...

 

precisely my point. It isn't the bank refusing to give you a silver half dollar. it is the employee who knows that it is silver and has decided to keep it for him/her self. There is nothing wrong with this whatsoever.

 

Unless it is against bank policy for employees to exchange coin or currency with cash out of their pocket...Which it is at a fair amount of banks...

 

You know, I probably do a fair bit more roll searching and old money hunting in banks than you do and in my pursuit I find tellers that are interested in saving stuff they find. And I am okay with that, but I have also worked out some really decent trades of stuff they want for stuff I want more than they do. A teller that saves stuff is NOT the enemy, they might just share the same passion for collecting as you do - and why can't they?

 

I enjoy playing with the colors, just in case you want to ask why the color

Blue

Nothing in life is fair. Not one thing.

Orange.

The bank has the "right" to do whatever it wants. So long as they don't violate any laws they can do business any way they want. If you don't like it feel free to start your own bank. One guy I know in vegas who came to America 40 years ago as a non rich man didn't keep his money in the bank. He owned the bank. It can be done.

 

delete; double post accidently

 

But what ticked me off about the encounter is the guy was trying to tell me the coin was "no good" as if it were a fake when it was really silver. If someone was genuine, and was someone I could build rapport with I wouldn't mind building rapport with them, but to be sneaky about it is another thing and is why I started the thread I did, to warn others about a sneaky teller at this bank branch.

 

That's why I gave the idea that I gave in the earlier post of the treasury withdrawing silver halves from circulation and turning them over to the GSA like they did with the CC mint morgans.

 

If I were a teller (dream job of mine to work in a bank) I would certainly hold onto any silver that comes my way. Just saying...

 

The guy wouldn't give you in essence free money so now he is sneaky?
My idea of a sneaky bank teller is the guy who short counts my money and palms some bills.

 

I can understand what the OP was saying about just wanting the teller to be honest with him. I've had teller's refuse to sell me silver halves before, but they either told me they were buying the coins themselves or saving them for another customer who collects. I have no problem at all with a teller doing this. DKenny, if this happens to you again in the future and it is a bank you plan to continue getting coins from or where you hope to build a rapport with a teller to trade, then I would just let it go. However, if it ever happens at bank where you don't plan on going back, then I don't think there would be anything wrong with asking to talk to one of the managers and explain to them that the teller would not sell you the coin.

 

I don't mind if a teller keeps silver... I would. It is annoying when it is clearly visible and they won't trade in out. Happened to me many times. If you are going to keep it, place it out of site.

 

I've never worked at a bank, but I've spoken to enough tellers to know that most are not allowed to comingle bank money with personal money while they are on duty. If they come across certain coins they want, they can set them aside in the tray and exchange them at the end of the shift.

If DK wants to cause a stir about this, he's going to find himself cutting off his nose to spite his face.

Chris

 

hat sounds like a "song-and-dance" to me!

The majority of the Morgan Dollars from all mints were already in the possession of the Treasury Department.

Chris

 

When I worked for the convenience store, if I found an interesting coin I set it on the register away from the view of customers. I never had any problems.

 

I have been in convenience stores where the cashier would deliberately set the interesting stuff in view in the hopes that someone would want it and buy it from them.