# Snot nosed bank won't make change **URL:** \ **Category:** The BBQ Pit\ **Created:** [October 5, 2024, 4:46pm UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476 "2024-10-05T16:46:16Z")\ **Posts on this page:** 20\ **Page:** 2
**Author:** ![Broomstick](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/broomstick/32/246_2.png) [@Broomstick](https://boards.straightdope.com/u/Broomstick)\ **Post date:** [October 5, 2024, 11:19pm UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/21 "2024-10-05T23:19:07Z")
> [@Zakalwe](#): > > Or they could just go to a grocery store, which will almost always sell you a roll of quarters for the actual cost of the roll with no up charge. Not anymore. I know my employer (a glorified grocery store) stopped doing that during the Great Covid Coin Shortage. ---
**Author:** ![Mighty\_Mouse](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/mighty_mouse/32/7776_2.png) [@Mighty\_Mouse](https://boards.straightdope.com/u/Mighty_Mouse)\ **Post date:** [October 6, 2024, 12:04am UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/22 "2024-10-06T00:04:55Z")
Yup. Exacerbated by the high cost of armored car services and the plummeting usage of cash. Stores that got daily cash and coin deliveries twenty years ago, might get them once or twice a week now. So if you are running low on quarters, you might need to wait three days until your next delivery. ---
**Author:** ![CairoCarol](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/cairocarol/32/3825_2.png) [@CairoCarol](https://boards.straightdope.com/u/CairoCarol)\ **Post date:** [October 6, 2024, 12:19am UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/23 "2024-10-06T00:19:22Z")
> [@Two\_Many\_Cats2](#): > > So, am I a Karen regardless? As long as you were polite to the customer service rep, and it sounds like you were, you were not a Karen. ---
**Author:** ![Smapti](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/smapti/32/17938_2.png) [@Smapti](https://boards.straightdope.com/u/Smapti)\ **Post date:** [October 6, 2024, 12:37am UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/24 "2024-10-06T00:37:57Z")
My store doesn’t even get rolls of coin anymore. It comes loose in a big bag and we pour it into the sorting machine that dispenses it for registers as needed. ---
**Author:** ![wguy123](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/wguy123/32/3161_2.png) [@wguy123](https://boards.straightdope.com/u/wguy123)\ **Post date:** [October 6, 2024, 1:02am UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/25 "2024-10-06T01:02:35Z")
> [@Two\_Many\_Cats2](#): > > Google I laughed at your obviously and intentional easy to figure out fake name. ---
**Author:** ![wolfpup](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/wolfpup/32/10618_2.png) [@wolfpup](https://boards.straightdope.com/u/wolfpup)\ **Post date:** [October 6, 2024, 1:06am UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/26 "2024-10-06T01:06:49Z")
I sympathize with the OP, but this appears to be common practice nowadays. I have almost no use for cash any more, but since the ATM at my bank only dispenses 20s and 50s, I sometimes go to the teller to get tens and fives. The first thing they always do before proceeding with anything is swipe my bank card. I think I once remarked on what my bank card had to do with exchanging some twenties for some fives and tens. I think they had some pat answer about “policy”, universal biz-speak for “we don’t actually have a reason”. ---
**Author:** ![gnoitall](https://avatars.discourse-cdn.com/v4/letter/g/bb73d2/32.png) [@gnoitall](https://boards.straightdope.com/u/gnoitall)\ **Post date:** [October 6, 2024, 1:09am UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/27 "2024-10-06T01:09:47Z")
> [@Two\_Many\_Cats2](#): > > not changing my ten spot for quarters was crap customer service. It would be, except you’re not a customer. 🤣 ---
**Author:** ![Dewey\_Finn](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/dewey_finn/32/4222_2.png) [@Dewey\_Finn](https://boards.straightdope.com/u/Dewey_Finn)\ **Post date:** [October 6, 2024, 1:11am UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/28 "2024-10-06T01:11:52Z")
My guess is they want to track which customers interact with the tellers and perhaps why. I know that Citibank often sends me a request for feedback on my visits to their teller, their ATM or their website. It’s actually a tad annoying. ---
**Author:** ![kaylasdad99](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/kaylasdad99/32/3398_2.png) [@kaylasdad99](https://boards.straightdope.com/u/kaylasdad99)\ **Post date:** [October 6, 2024, 1:24am UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/29 "2024-10-06T01:24:40Z")
> [@gnoitall](#): > > > [@Two\_Many\_Cats2](#): > > > > not changing my ten spot for quarters was crap customer service. > > It would be, except you’re not a customer. 🤣 As the OP pointed out, they ARE a customer, by virtue of the fact that they just paid the bank a fee to access a service. What they’re not is a _depositor_. ---
**Author:** ![gnoitall](https://avatars.discourse-cdn.com/v4/letter/g/bb73d2/32.png) [@gnoitall](https://boards.straightdope.com/u/gnoitall)\ **Post date:** [October 6, 2024, 1:29am UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/30 "2024-10-06T01:29:49Z")
That transaction is concluded, so they’re not a customer _any more_. Technically correct is the best kind of correct. ---
**Author:** ![kaylasdad99](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/kaylasdad99/32/3398_2.png) [@kaylasdad99](https://boards.straightdope.com/u/kaylasdad99)\ **Post date:** [October 6, 2024, 1:37am UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/31 "2024-10-06T01:37:29Z")
The opening post makes it clear that they complete that transaction on a regular basis. That makes them a customer. If you stop at my kid’s lemonade stand for a refreshing Dixie cup of lemonade every week, you’re not only a customer, you’re a _regular_ customer. Hey, you’re right, it does feel pretty good! 😊 ---
**Author:** ![wolfpup](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/wolfpup/32/10618_2.png) [@wolfpup](https://boards.straightdope.com/u/wolfpup)\ **Post date:** [October 6, 2024, 1:50am UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/32 "2024-10-06T01:50:56Z")
> [@gnoitall](#): > > That transaction is concluded, so they’re not a customer _any more_. @kaylasdad99 beat me to it, but to put it another way, many customer relationships consist of a series of independent transactions with no underlying contract. I’m a contracted customer for my utility services. I’m a customer of my local supermarket only because I go there regularly, and a customer of the kid who mows my lawn only because I use his services regularly. The guy who snowplows my driveway is somewhere in between. There is no ongoing obligation, but when he comes by every fall and I throw money at him, I become a customer for the season, and then no longer a customer until (maybe) the next winter. ---
**Author:** ![Q.Q.Switcheroo](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/q.q.switcheroo/32/5713_2.png) [@Q.Q.Switcheroo](https://boards.straightdope.com/u/Q.Q.Switcheroo)\ **Post date:** [October 6, 2024, 2:30am UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/33 "2024-10-06T02:30:23Z")
> [@Saint\_Cad](#): > > > [@Joey\_P](#): > > > > I think people forget that all those rolls of change the bank has, they have to buy and aren’t going to hand out for free > > You have to wait for a glitch. Or draw the right Community Chest card. ---
**Author:** ![I\_Love\_Me\_Vol.I](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/i_love_me_vol.i/32/521_2.png) [@I\_Love\_Me\_Vol.I](https://boards.straightdope.com/u/I_Love_Me_Vol.I)\ **Post date:** [October 6, 2024, 2:56am UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/34 "2024-10-06T02:56:24Z")
> [@Two\_Many\_Cats2](#): > > I hate to name names so I’ll just call them Shitybank. > > I don’t have an account there, but they let me use their ATMs and charge me three dollars a pop to do so. I’m so happy with my Charles Schwab account because it allows me to withdraw cash from any ATM in the US (and I think overseas banks too, at least sometimes) with no fees from either my bank or the ATM host (my account is charged the fee at the time but I’m reimbursed by Schwab). There are no charges or fees to have an account there so it really works and saves me a decent amount of money every month. Never worry about locating an ATM from your bank or network, just use a Schwab account. And of course Schwab needn’t be your only bank, just the one you use for ATM withdrawals. They also have outstanding customer service over the phone with dedicated and professional real people. ---
**Author:** ![Dag\_Otto](https://avatars.discourse-cdn.com/v4/letter/d/439d5e/32.png) [@Dag\_Otto](https://boards.straightdope.com/u/Dag_Otto)\ **Post date:** [October 6, 2024, 4:26am UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/35 "2024-10-06T04:26:59Z")
My credit union recently went coinless. They won’t take them, or give them out. They do have a coin counter in the lobby, and I think you can have them credited to your account. But the tellers don’t deal with them. ---
**Author:** ![ParallelLines](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/parallellines/32/3575_2.png) [@ParallelLines](https://boards.straightdope.com/u/ParallelLines)\ **Post date:** [October 6, 2024, 5:12am UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/36 "2024-10-06T05:12:11Z")
My FiL is a hero to his local bank. Whenever possible, he pays with cash unlike everyone else I know. So every 2ish years, when he has about 4-6 ziplock bags (quart size) full of change, he takes it in and cashes it out as bills. It’s a game each time, because he, my MiL, myself and my wife (she’s an only child) each guess the dollar value in total. He then divies it up into 5 shares, with the winner getting two, and everyone else getting one. It’s silly and fun for us, probably very useful for his Credit Union, and we just did our bets today, so payout is on Wednesday. I’ll have a bit of cash on my for my long drive next weekend. Anecdote over - Seriously though, every local or smaller-scale bank I’ve been a part of has historically been purchased by a bigger, regional chain, and then a national chain. I can’t even make a decent effort any more. My wife still has an open account with the local Credit Union which we take advantage of for superior service (notary, etc) but the rest of the time it’s the scumbag that rhymes with Hells Cargo. Although at the moment, I am also “enjoying” going through arbitration with them attempting to secure another grand after partaking in a settlement where they’d charged an unapproved fee for services never rendered, along with most of the rest of the nation. ---
**Author:** ![Dewey\_Finn](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/dewey_finn/32/4222_2.png) [@Dewey\_Finn](https://boards.straightdope.com/u/Dewey_Finn)\ **Post date:** [October 6, 2024, 2:43pm UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/37 "2024-10-06T14:43:17Z")
> [@Dag\_Otto](#): > > My credit union recently went coinless. They won’t take them, or give them out. They do have a coin counter in the lobby, and I think you can have them credited to your account. But the tellers don’t deal with them. That’s interesting. And it’s yet another example of how worthless coins are in this country. ---
**Author:** ![kaylasdad99](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/kaylasdad99/32/3398_2.png) [@kaylasdad99](https://boards.straightdope.com/u/kaylasdad99)\ **Post date:** [October 6, 2024, 2:53pm UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/38 "2024-10-06T14:53:08Z")
> [@ParallelLines](#): > > It’s a game each time, because he, my MiL, **myself** and my wife (she’s an only child) each guess the dollar value in total The pronoun you’re looking for is _ **I** _. The reflexive pronoun is never appropriate unless the sentence describes an action **you** are performing on, by, for, against, or with _yourself_ (N.B. That list of prepositions may not be exhaustive). Your self is welcome. ---
**Author:** ![scudsucker](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/scudsucker/32/14101_2.png) [@scudsucker](https://boards.straightdope.com/u/scudsucker)\ **Post date:** [October 6, 2024, 3:00pm UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/39 "2024-10-06T15:00:31Z")
> [@Two\_Many\_Cats2](#): > > and charge me three dollars a pop to do so Jesus H Christ, for US$3 i can buy enough food for a day in this third world country. In Indonesia as a tourist - so on holiday - I was living comfortably on US$10 per day, including food and accomodation. ---
**Author:** ![Mighty\_Mouse](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/mighty_mouse/32/7776_2.png) [@Mighty\_Mouse](https://boards.straightdope.com/u/Mighty_Mouse)\ **Post date:** [October 6, 2024, 3:33pm UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/40 "2024-10-06T15:33:40Z")
> [@scudsucker](#): > > In Indonesia as a tourist - so on holiday - I was living comfortably on US$10 per day, including food and accomodation. When and in what part of Indonesia was this? A room with a shared bath (shared with three other rooms) in a very ordinary looking part of Jakarta was $30 a day in 2020-21, when one of my nieces decided to take advantage of the “work from anywhere” option and move there. From the pictures it looked very spartan indeed. And she was eating street food She is a NYCer, so her idea of minimum living space is way below most people in the US. Her Brooklyn apartment was definitely smaller than the master suite of our house (bedroom, closet and bathroom) [Previous page](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476.md?page=1) [Next page](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476.md?page=3)