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<p>[QUOTE=&quot;kaparthy, post: 991990, member: 57463&quot;]Banks can be hard to deal with, even if you are a depositor. If you are a client, just tell them you want half dollars.&nbsp; They will ask you to pay up front for them, and then make you wait for the delivery.&nbsp; Change is an expense for a bank. We expect change to be free, but it is a service, an overhead expense, basically, a deadweight loss.&nbsp; But it is what they do, and given that you are willing to pay first and wait, they ought to do it.&nbsp; If they do not, take your money to a bank that will.&nbsp; Myself, I have been a member of several credit unions since 1984.&nbsp; My current one sent me a reminder to vote for the board of directors.&nbsp; Does your bank let you choose the board, or run for the board in an open election?&nbsp; Credit unions have their downsides and not suprisingly, change is one of them.&nbsp; Halves are hard.&nbsp; Presidential dollars are easier.</p><p><br /></p><p>There is an interesting book called <i>The Big Problem of Small Change</i> by Sargent and Velde.&nbsp; Francoise Velde is a Federal Reserve economist who sometimes posts on these coins boards.&nbsp; The book is mostly about the Middle Ages because we solved the problem with token coinage and centalized banking.&nbsp; But even in the 1800s in America in different decades merchants were selling change at a discount or buying it a premium.&nbsp; Banks have the same problems only moreso because money is their stock in trade.[/QUOTE]</p><p><br /></p>

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