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<p>[QUOTE=&quot;NPCoin, post: 1160360, member: 5629&quot;]Again, yes.&nbsp; As I showed, even as a mid-sized micro-business (deposits in the 5-digits), the bank is already making a good return on his deposits.</p><p><br /></p><p><br /></p><p>The bank does not know that unless the OP chose to disclose such information.&nbsp; Remember, the OP stated that he had multiple personal and <b>business</b> accounts with the bank.&nbsp; That should be the first issue that should strike willingness into the bank to perform the service for free.&nbsp; Generally, business do hold higher balances in their accounts, thus generating more &quot;savings&quot;/returns for the bank overall.</p><p><br /></p><p>Remember that the OP stated that he held six-digit account balance(s) at the bank.&nbsp; Even taking that to mean a minimum of $200,000 in all accounts, if the bank is conducting their risk management properly and has good internal audit, then there is no reason why they shouldn&#039;t be yielding at least $1,400 in gross savings/returns each month.&nbsp; That amount self-perpetuates as the balances continues to remain at that level and their investments/loans pay off.&nbsp; If he has had this business for five years at that same bank with a similar balance, then that same $200,000 should be yielding close to $2,000 per month.</p><p><br /></p><p><br /></p><p>Out of the whole situation, that is the one point of consideration that I personally consider to have validity.&nbsp; The bank must take caution not to discriminate against any of its customers within any given product offering.&nbsp; Thus, the bank has the option of creating an account with a fee schedule that would pay for such requests.</p><p><br /></p><p>For instance, the &quot;Free checking&quot; and &quot;no minimum Savings&quot; accounts can be disclosed with the fees per roll for rolled coin.&nbsp; The &quot;NOW&quot; accounts can be disclosed with fees as well, until a specific average balance is kept, whereas the fees are discounted or waived altogether.</p><p><br /></p><p>Generally, most banks pass rolls to their business accounts no-questions-asked (as the OP has a business account with the bank), and will pass a small number to personal account holders and will disclose a &quot;need for rolls for business customers&quot;.&nbsp; I have no problem with this so long as it is disclosed and there is no discrimination against business type.&nbsp; One of my business banks began refusing rolls to non-corporate businesses (ie sole-proprietors, partnerships, Limited-liability corporations, etc).</p><p><br /></p><p>They are one of the oldest banking institutes in this area and ended having quite a few businesses take their transactions elsewhere.&nbsp; Well, this caused a need for them to apply for loans through the Fed since those deposits were no longer available.&nbsp; This snowballed into an OTC investigation (because of the sudden massive loan request), which then turned into a turnover of assets to another institute.&nbsp; The bank name is the same, but the controlling institute is different.</p><p><br /></p><p>Now, many of their old business customers have returned, all businesses regardless of legal status are now treated equally, and the bank&#039;s investments and loans are now turning over strong returns.</p><p><br /></p><p>This is a situation no bank should want to place itself into.&nbsp; The simple fact that it was a request from a business account holder should start flashing red lights the moment discontent is shown by the business customer.</p><p><br /></p><p>But, like you said, what if more and more start making the same request?&nbsp; It could possibly cost the bank to meet those requests, but there are options available to them to make up some of that loss (internal auditing to determine the source of the most fees and slightly raise those fees, for instance).</p><p><br /></p><p>Simply, if the bank does not meet your particular needs, then find a different one that is willing to.&nbsp; Banks make much more money than most people realize.&nbsp; Many people get the wrong idea when a bank &quot;fails&quot; or &quot;goes under&quot; today.&nbsp; Even a decade ago, it truly meant that the bank did not have the funds to meet the customer&#039;s deposits and were defaulting their Fed debts.&nbsp; Today, it simply means that there is a <b>possibility</b> or indication of it and the bank assets are passed off to someone else.</p><p><br /></p><p>One would think this would encourage banks to be more eager to make their customers happy and encourage them to make more deposits to pad the investments and loans they have already made.&nbsp; In my opinion, bank penny-pinching and money-changing fees (regardless of where they originate) are something banks should be shying away from at the moment.[/QUOTE]</p><p><br /></p>

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