Well first of all I never demand anything. Secondly the returned half dollars are not converted to paper. They buy more rolls. Thirdly, that bank is a 30 mile round trip. So, yes, there will come an end to this shortly. They probably didn't act on my offer to open an account because they knew it would only be a token $50 just to negate their arguement. Also, they probably didn't want to take the chance that I would be returning all my loose coins to them. That spells work! Meanwhile, I'm taking the MS62 halfs I got and putting them in 2X2 holders for now. My regular bank does not have half dollars at all, ever. They know me and treat me well when I ask for rolls of dimes and quarters. The other bank that I opened a $200 savings account at, is where I dump all my reject coins in the coin counter machine. Anyway, I now have five sets of 1964 to 1985 Kennedys. Probably time to move on to quarters and dimes.
The Federal Reserve Banks are not actually a part of the United States government, but rather, a privately owned corporation with which the BEP and US Mint contract to distribute money.