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Message:: [QUOTE="Dima, post: 577574, member: 18037"]The difference is that in the first example you mention, the customer hands you 201USD and thinks he handed you 200USD; you are ethically obligated to return 1USD.  In the second, the customer hands you 200USD and you deposit that 200USD - end of transaction.  As a teller, your primary concern is face value of the money and that is the only ethical obligation you have. Beyond that, once the money is in the banks possession, you as the teller (or the next customer), can exchange that silver half for 50 cents because the face value is the same.  Your bank is not a coin appraiser, they have no obligation to look through all your money to point out rare coins. If you went to a bank to change a bag of pennies to bills and the teller happens to notice that one of them is a 1955 double die, should they chase you into the parking lot demanding that you return a single and get back the 1955 double die and 99 more cents? Of course, above I am only talking about the banks' ethical obligation.  I'd like to think that the teller, as an individual, would have added ethical and moral obligations, and maybe, just maybe, would chase me to the parking lot with the 1955 cent. It's a very thin line to walk and trying to say who is in the clear and who was obligated to inform the customer quickly turns into a never ending blame game.[/QUOTE]