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<p>[QUOTE=&quot;NPCoin, post: 402865, member: 5629&quot;]I&#039;d have to agree on this point.&nbsp; A bank is a bank.&nbsp; Their purpose and business is for depository of legal tender funds.&nbsp; If somebody deposits $50 in IHCs, then they will have $50 accounted to their funds.&nbsp; IHCs are legal tender.&nbsp; That means you can spend them on face value for debts.&nbsp; A bank does not necessarily by law have to accept any legal tender for deposit, but they will usually accept any and all legal tender, including foreign legal tender.</p><p><br /></p><p>Because the bank teller does not tell the customer that they coins may possibly have a <b>worth</b> more than their <b>value</b>, it is not the job of the bank teller to notify the depositor of this fact, irregardless of their knowledge in numismatics.&nbsp; Not only that, but the bank corporation is paying that teller to do their job of processing credits and debits to customers accounts...<b>not</b> performing numismatic appraisals.&nbsp; So, in all actuality, ethically speaking, it is unethical for the bank teller to tell the customer the worth of the coins (appraising) because they are then <b>stealing</b> from their employer by claiming wage hours from their employer for personal time.</p><p><br /></p><p><br /></p><p><br /></p><p>Your scenario has too many holes in it to be truthful in your last statement that it&#039;s not stealing.&nbsp; Did the person ask you for an appraisal?&nbsp; Did the person indicate that he was ignorant of the items he had and did not know the value thereof?&nbsp; Did the person publicly place the items on sale, or did the person selling make the approach privately under the understanding that the person they were going to was knowledgeable and able to give a &quot;fair price&quot;?&nbsp; Did the person walk into a coin dealer and say they wanted <b>no less</b> than $X and asked what the dealer would give for them (akin to appraisal)?</p><p><br /></p><p>In each scenario, the fact of whether the person would be ripped off changes.&nbsp; Even the worth of a coin is subjective, and not absolute.&nbsp; This is a case in which &quot;riht&quot; and &quot;wrong&quot;...ethics...becomes subjective, or dependent upon the scenario.[/QUOTE]</p><p><br /></p>

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