Don't want to start an arguement but have a question..

You are too sweet! You'd be surprised how excited I get over a wheatie! Dorky I know! LOL

 

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Okay so I have another question now! LOL Let's say that I find a coin that is worth a small fortune. Why is it my responsiblity to say something to the depositor? (Not saying I won't so don't bash me LOL Just a hypothetical) The reason I ask this is because they got it more than likely from an unknowing person as well so then is it their responsibility to find the person that they got it from and so on down the line? Just something that popped into my head.

 

LOL That is too funny and I love that idea! LOL

 

Just to let you know I didn't see anything in his change. I don't look that closely just grab things that catch my eye but didn't see anything in his.

 

end of story.

 

Addressing the coin ownership issue in this situation may be somewhat murky but I can say with extreme confidence that an employee of the bank has no legal standing. Probably more than likely the customer would retain full ownership rights of the coinage until the bank tendered full consideration and such was accepted by the customer.

 

Let me jump onto the bandwagon...and it might come as no shock that I think once they handed over the coins to be cashed in, its fair game. You have spent time and learned to recognize the gems, why not cherrypick. Your responsibility to them was complete.

Would I want someone to tell ME if I was cashing is something worth more than face value? Sure...why not? Would I blame them if they didnt? Not at all...I did not practice due diligence and thus it was my fault that I missed it...and in truth...What I didnt know wont hurt me. I think to blame you for making the finds that others didnt care to learn about and thus make themselves is displacing the blame. Its a numismatic perk!!

 

Two points, respectfully submitted.

1) I have always thought that if someone hands you money, it is their property until you tender a receipt or property of like value to them for it. Until the coins were receipted or paid for by the bank, they were still the customer's property.

2) It sounds to me as if some here (including the OP) would be irritated by the customer's statement for the obvious reason that he suspected them of doing exactly what they were doing -- skimming his coins for themselves instead of forthrightly returning them all to him and stating to him that it is his responsibility to remove valuable coins before submitting them. Of course, the totally above-board alternative would be to say, "Sir, I am in the process of examining these coins you've handed me because I am looking for valuable coins to buy after you leave, to keep for myself."

I, for one, would no longer do business with a bank wherein the tellers were taking advantage of my ignorance of the value of certain items. The "little old lady" thing has nothing to do with it; all individuals should be treated with the same level of honesty. In this case, I believe the bank should have a more strict policy in such matters, so as to remove the decisionmaking from the individual tellers. It is often difficult to do the "right thing."

Without strict policies, it becomes a simple argument of self-interests, which is rarely fair to both parties.

My views only. YMMV.

 

As already noted a banks purpose is basically to take in money and/or distribute it as well as loans, etc. Many bank employees are just that, employees and are not responsible for the wealth, health, problems, stories, family situations, medical stories, just bank buisness. Around me most people in banks, stores, fast food places can hardly speak or understand English so to figure out old or valuable coins is just out of thier realm of responsibility or ability anyway.
Again, you bring in money to a bank and they take it. That is thier job, nothing more.

 

If the customer is concerned about people "skimming" then he should educate himself and not rely on others to do the work for him/her. That goes for "life" as well as collecting.

 

:thumb::thumb::thumb:

 

I think at rock-bottom that's a customer service or public relations thing and that the bank manager would have been wrong if he hadn't done nothing.

 

I think I can agree a little with this.

 

Would you know right away? I mean a 1955 DDO or a 1909 SVDB you might know right away. Maybe search after the customer is gone. To me it is the customers responsibility to search before turning it in. As far as I am concerned once it hits the tellers hands they can have it. Of course if someone brough in a bag of morgans I would probably tell them to take it to a coin shop.

Enjoy and good luck hunting.

PS I also like the whoop it up scenario proposed.

 

Now let's not confuse the matter by getting over-conscientious.

 

No one is suggesting that bank employees be responsible or required for sorting valuable coins from customer's change but once an employee takes such voluntary action their responsibilities to the customer increases accordingly.

 

I completely and fully disagree. Those $1000 bills are still legal tender notes in the United States and thus the bank treats them for their face value and nothing more. I am in no way complaining about what he did, the manager went above and beyond the call here...but he in no way would have been even remotely wrong had he done nothing.

 

Right. My words were, "if he hadn't done nothing"...double negative...pay attention.

 

Are they responsible yes however I would say your lucky to work in a bank and have the knowledge to be able to find and identify these types of coins with more value. In this case I would say for good customer relations if they see you going though it and you happen to find something let them have it they'll appreciate you and you'll have plenty of other opportunities.

 

You are correct.

I am not arguing with your point, and my statement doesn't differ with it. It perfectly proves my statement about a competition of self-interests.

There is a principle of fairness in life, as well, and I do not believe we should take advantage of others in these kinds of situations. If you were standing at the curb and another pedestrian was stepping in front of a bus, would you not warn him or her? Or would you say, "Don't rely on others to watch out for you?"

If the teller is going to be upset that the customer knows what he/she is doing, then the teller shouldn't be doing it.

I totally agree that the customer should do it. But, if the customer doesn't do it, then the teller shouldn't be irritated when the customer makes the statement the OP's customer did. And, the teller should return all coins to the customer and ask for the next customer to step up.