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<p>[QUOTE=&quot;MontCollector, post: 3976691, member: 85496&quot;]Yes even today an 1892 Columbian Expo Half dollar, even a circulated one, is classified as an NCLT. When minted you could not get these at your local bank for 50 cents. They were sold to collectors for a premium and when spent they took a loss. </p><p><br /></p><p>Circulating commems would be more like the business strikes of the 2009 Lincoln cents, The Westward Nickels,&nbsp; and the 1776-1976 Quarter, Half Dollar, and Dollar. Just to name a few. All these could be purchased for face value at any bank in the US.</p><p><br /></p><p>NCLT coins are any coins minted that are intended to be sold to collectors/dealers for a premium by the mint. Like Proofs, Commemorative Dollars and Silver Eagles. All have face value and could be spent as such but the intended collector value and or metal content is worth much more than the face value.[/QUOTE]</p><p><br /></p>

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