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<p>[QUOTE=&quot;Conder101, post: 673695, member: 66&quot;]Sure it does.</p><p><br /></p><p>Look the ideal situation for a bank is to have a small cushion of coin on hand (dead or unproductive assets) and have just as much coin come in every week as they need to pay out to their customers (typically businesses) every week.&nbsp; But this ideal seldom occurs.&nbsp; Some banks are coin sinks taking in more coin week in week out than they need for their customers.&nbsp; Rather than have this dead asset on hand and constantly growing they ship it back to the Fed.&nbsp; They have to PAY to do this.&nbsp; Some banks are coin sources and constantly pay out to their customers week in and week out more coin than they take in.&nbsp; This means that they have to order and have shipped in more coin from the Fed every week.&nbsp; Once again they have to PAY for this as well.</p><p><br /></p><p>Now the banks will try and balance those the best they can based on prior needs compared to what was needed in the past so as to keep the coin shipments and expense as low as possible.&nbsp; But when a roll searcher starts coming in and buying up boxes of coin it throws their calculations and estimates off, can wipe out their cushion and may mean that they have to tell their big money customers that they can&#039;t supply them with what they want.&nbsp; The banks TRY to keep the amount of surplus coin on hand low and they can&#039;t allow for the roll searchers.</p><p><br /></p><p>So who do you turn down and probably annoy, The roll searcher with no account at the bank, or the big business with multi-millions of dollars in accounts in your bank?</p><p><br /></p><p><br /></p><p>And we can&#039;t see why you have a problem paying a fee to a bank for a product that costs them more than face value to get when they have no chance of recovering it from you any other way. (Not to mention that if you bring it back later after searching it they may have to PAY again to get rid of it.)</p><p><br /></p><p>The problem comes from people who think that the banks are there to exchange money and make change.&nbsp; That is not what banks do!&nbsp; Banks are there to make money by making loans.&nbsp; Of course they have to have the money to be able to loan it, so they offer safekeeping and a little interest plus some convenience to their account holders in order to get them to make deposits.&nbsp; That gives them the money to loan out and the interest charged provide funds to pay overhead, salaries, interest on deposits, and show a profit.&nbsp; The exchange of currency or making change is merely a service they provide for their customers and one they don&#039;t make any money on.&nbsp; If they could stop doing it they would.[/QUOTE]</p><p><br /></p>

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