My local credit union lets me deposit up to $100 via the coin counter at no charge. So I usually just go to a few of the branches around town so I'm not charged any fees. I don't coin roll hunt very often (once or twice every 6 months) so it isn't too much driving around.
Wow is all I can say politely. Is all this time and expense worth it? Five bank accounts? I'd ask if you have a job but that's not my business. It must be the 'thrill of the chase'? There's no way you can be making money doing this, which is fine as long as you are having fun, or whatever. All of this costs then credit unions money, which means all of the members are paying as well. I recently bought a box of $500 in halves and it will take me almost nine months to spend them in bus fare. Just dumping them back into the CU's coin counter, though free, is to me unethical. With a 40% half worth less than $3, and a gallon of gas more than that, I hope you do a lot of walking.
I don't think anyone here is in it just to make money. This is a hobby for most who do it and a lifestyle for a lucky few. Sure silver has its value and some day that value will rise, but the value is the hunt. Looking for a perfect roll or a roll hiding Franklin or a Barber. Those are our Bigfoot. It's not about making money. It's fun and look around on this site... It's a brotherhood of others who understand that we are collectors. Be it pretty and perfect coins or collections full of beat or dinged up 90% silver junk. We collect. We hoard. We do it for the Franklins, not for the Benjamins.
Nope, I'm not making money. I'm spending some of my time searching for value and I'm accumulating wealth. There are differences in all three of those concepts.