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<p>[QUOTE=&quot;Conder101, post: 188546, member: 66&quot;]There can be reasons for charges like those.&nbsp; Especially if it is a smaller bank.&nbsp; </p><p><br /></p><p>Banks do not like to have to order coin or return surplus to the Fed.&nbsp; They try to have a small buffer amount on hand and then operate so as to balance the amount of coin that comes in with that coin that goes out.&nbsp; From experience they know just how much they need to have on hand to service their commercail clients that need change, and they know roughly how much will come back in from their commercial clients.&nbsp; When an unexpected demand for a bunch of rolled coins happens they have to worry about not having enough for their regular clients&nbsp; and they may have to order extra in.&nbsp; But the bank has to pay the face value for that extra coin PLUS a shipping charge from the armored car service.&nbsp; So the bank LOSES money whenever they order rolls of coin.</p><p><br /></p><p>If someone comes in and gives them a bunch of rolls they also have a problem.&nbsp; If they don&#039;t need those coins they have to get rid of them rather than have inactive assets sitting around.&nbsp; But if they send them back to the Fed, they get credited for the face value, but once again have to pay a shipping charge to the armored car service.&nbsp; So they also lose money whenever they have to send coins back too.</p><p><br /></p><p>You can understand then why many banks are not that coin collector friendly.&nbsp; Collectors who keep wanting to get rolls or who dump rolls on them not only generate no income for them, but actually cost them money.&nbsp; And may interfer with their relationship with larger commercial accounts that DO provide the banks with income.[/QUOTE]</p><p><br /></p>

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