# Snot nosed bank won't make change

**URL:** <https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476>\
**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:** 3

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**Author:** ![DavidNRockies](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/davidnrockies/32/6279_2.png) [@DavidNRockies](https://boards.straightdope.com/u/DavidNRockies)\
**Post date:** [October 6, 2024, 3:43pm UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/41 "2024-10-06T15:43:42Z")

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nm. I’m not sure I had my facts correct.

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**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, 3:44pm UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/42 "2024-10-06T15:44:07Z")

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A bit more “rural”, this was in Flores island, and Padang Bai on Bali. (Off the normal tourist routes)

But Yogyakarta and Semerang were also fairly cheap.

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**Author:** ![needscoffee](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/needscoffee/32/1076_2.png) [@needscoffee](https://boards.straightdope.com/u/needscoffee)\
**Post date:** [October 6, 2024, 7:28pm UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/43 "2024-10-06T19:28:40Z")

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> [@scudsucker](#):
>
> Jesus H Christ, for US$3 i can buy enough food for a day in this third world country.

How is this relevant, since the OP isn’t in a third world country? Should she fly to one and get her quarters there?

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**Author:** ![carrps](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/carrps/32/2957_2.png) [@carrps](https://boards.straightdope.com/u/carrps)\
**Post date:** [October 7, 2024, 12:04am UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/44 "2024-10-07T00:04:09Z")

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> [@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.

Oh, man, I remember the days of cashing a check at the grocery store if you needed cash for the weekend, and it was after 3:00 pm on a Friday.

Of course, I can remember getting a quarter’s worth of gas for the weekend in high school (I graduated in '69).

> [@Smapti](#):
>
> we pour it into the sorting machine that dispenses it for registers as needed.

This is about the only time I ever “use” cash at the market. My brother visits from Costa Rica once or twice a year and _ **always** _ leaves us with a big ol’ baggie of change. So, easy to just dump it in the coin machine and take the receipt to checkout (like using a coupon).

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**Author:** ![Spiderman](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/spiderman/32/230_2.png) [@Spiderman](https://boards.straightdope.com/u/Spiderman)\
**Post date:** [October 7, 2024, 12:20am UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/45 "2024-10-07T00:20:32Z")

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> [@What\_Exit](#):
>
> $3 fee is ridiculous but you shouldn’t expect a bank you don’t bank at to make change for you.

Is it not a continuation of the txn? If you show them your ATM receipt & state that you need something other than $20s shouldn’t they give it to you?

> [@kayaker](#):
>
> Volume, volume, turn up the volume.

Volume, volume, ~~turn up~~ [pump](https://www.youtube.com/watch?v=w9gOQgfPW4Y) the volume.

There I fixed it for you!

> [@Saint\_Cad](#):
>
> You have to wait for a glitch

That’s why I bank with Matrix Bank; there no glitches in Matrix Bank!

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**Author:** ![Dallas\_Jones](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/dallas_jones/32/3277_2.png) [@Dallas\_Jones](https://boards.straightdope.com/u/Dallas_Jones)\
**Post date:** [October 7, 2024, 12:25am UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/46 "2024-10-07T00:25:12Z")

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> [@Two\_Many\_Cats2](#):
>
> I don’t have an account there,

This is the source of your issue. They really don’t have to do anything for you, at all.

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**Author:** ![kayaker](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/kayaker/32/441_2.png) [@kayaker](https://boards.straightdope.com/u/kayaker)\
**Post date:** [October 7, 2024, 12:35am UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/47 "2024-10-07T00:35:44Z")

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> [@Spiderman](#):
>
> Volume, volume, ~~turn up~~ [pump](https://www.youtube.com/watch?v=w9gOQgfPW4Y) the volume.
> 
> There I fixed it for you!

I was thinking **Tom Waits** _Step Right Up_

> Don’t settle for less  
> How do we do it  
> How do we do it  
> Volume! volume!  
> Turn up the volume!

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**Author:** ![Spiderman](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/spiderman/32/230_2.png) [@Spiderman](https://boards.straightdope.com/u/Spiderman)\
**Post date:** [October 7, 2024, 12:40am UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/48 "2024-10-07T00:40:55Z")

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you thought wrong! 😉

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**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 7, 2024, 1:11am UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/49 "2024-10-07T01:11:34Z")

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> [@Spiderman](#):
>
> Is it not a continuation of the txn? If you show them your ATM receipt & state that you need something other than $20s shouldn’t they give it to you?

The fact that you have paid for one service (use of a machine that dispenses $20 bills) does not entitle you to other services free of charge. If I go to Wendy’s and order a burger, it doesn’t mean I get to drag a keg up to the soda fountain and fill it up with orange soda even though it’s “practically free” for them since it’s mostly just filtered tap water.

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**Author:** ![Spiderman](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/spiderman/32/230_2.png) [@Spiderman](https://boards.straightdope.com/u/Spiderman)\
**Post date:** [October 7, 2024, 1:35am UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/50 "2024-10-07T01:35:43Z")

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If you went to Wendy’s & got a small order & paid with a $20; wouldn’t you expect them to give you change how you’d like it, assuming they have it in their drawer? “Hey, can I get a $5 & 5 $1s back instead of a $10?”  
You don’t have a choice what denominations you get out of most ATMs. You can’t even put a $20 in some vending machines & the @#%&? transit one give you your change back in those stoopit $1 coins!

I think if I went to one of their ATMs & did a withdrawal when they were open & immediately went inside & asked for change they should give it to me.  
  
  
**@Two_Many_Cats2** file a complaint with them; you can just call any number you find for them, including the branch; they have to take it & regulators do look at them.

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<div class="post-metadata">

**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 7, 2024, 1:46am UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/51 "2024-10-07T01:46:43Z")

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> [@Spiderman](#):
>
> You don’t have a choice what denominations you get out of most ATMs.

If you’re paying to use a machine that dispenses $20s and you’re upset that you didn’t get $5s, that’s a you problem.

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**Author:** ![BigT](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/bigt/32/12044_2.png) [@BigT](https://boards.straightdope.com/u/BigT)\
**Post date:** [October 7, 2024, 5:21am UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/52 "2024-10-07T05:21:54Z")

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> [@What\_Exit](#):
>
> You can, but I don’t think you should expect them to make change. Stinks the building doesn’t have at least a change machine. They really should.

Sure, that’s the norm (though I’m not sure it always has been). But most places I know will give you change without purchasing anything. I’ve never really understood why making change has to be a member-only perk. Especially if you’re getting change from the ATM.

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**Author:** ![Alessan](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/alessan/32/465_2.png) [@Alessan](https://boards.straightdope.com/u/Alessan)\
**Post date:** [October 7, 2024, 6:51am UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/53 "2024-10-07T06:51:30Z")

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> [@Spiderman](#):
>
> If you went to Wendy’s & got a small order & paid with a $20; wouldn’t you expect them to give you change how you’d like it, assuming they have it in their drawer? “Hey, can I get a $5 & 5 $1s back instead of a $10?”

The difference is that Wendy’s is in the hamburger business while banks are in the money business. He’s not asking for change, he’s asking for free merchandise.

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**Author:** ![puzzlegal](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/puzzlegal/32/3827_2.png) [@puzzlegal](https://boards.straightdope.com/u/puzzlegal)\
**Post date:** [October 7, 2024, 10:27am UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/54 "2024-10-07T10:27:04Z")

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Naw, not a Karen. But they may not even have change handy at the registers these days, so you were asking for a nontrivial service.

Most vending machines now take bills and credit cards. My local laundromat takes credit cards. (When it wouldn’t read mine, the manager gave me a free use of the dryer!) The problem is that your landlord is behind the times in requiring you to use quarters and not providing a source of quarters.

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**Author:** ![Alessan](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/alessan/32/465_2.png) [@Alessan](https://boards.straightdope.com/u/Alessan)\
**Post date:** [October 7, 2024, 11:43am UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/55 "2024-10-07T11:43:51Z")

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When we landed in Norway a couple of weeks ago as part of our Arctic cruise, my wife and I immediately withdrew 1000 kroners (about $90) from an ATM for walking-around money - only to discover that virtually nobody in the country was willing to accept cash. We really had to work hard to get rid of those kroners.

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**Author:** ![Left\_Hand\_of\_Dorkness](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/left_hand_of_dorkness/32/7156_2.png) [@Left\_Hand\_of\_Dorkness](https://boards.straightdope.com/u/Left_Hand_of_Dorkness)\
**Post date:** [October 7, 2024, 12:02pm UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/56 "2024-10-07T12:02:50Z")

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> [@Alessan](#):
>
> When we landed in Norway a couple of weeks ago as part of our Arctic cruise, my wife and I immediately withdrew 1000 kroners (about $90) from an ATM for walking-around money - only to discover that virtually nobody in the country was willing to accept cash.

Norway is a very digitalized economy. They even put bar codes on all their military ships.

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**Author:** ![Alessan](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/alessan/32/465_2.png) [@Alessan](https://boards.straightdope.com/u/Alessan)\
**Post date:** [October 7, 2024, 12:15pm UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/57 "2024-10-07T12:15:34Z")

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> [@Left\_Hand\_of\_Dorkness](#):
>
> They even put bar codes on all their military ships.

Well, yeah. The need them to Scandinavian.

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**Author:** ![kayaker](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/kayaker/32/441_2.png) [@kayaker](https://boards.straightdope.com/u/kayaker)\
**Post date:** [October 7, 2024, 12:16pm UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/58 "2024-10-07T12:16:44Z")

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> [@BigT](#):
>
> But most places I know will give you change without purchasing anything.

Most. I was in a drugstore once and desperately needed a couple quarters. I asked for change for a one dollar bill, which I proffered. I was told “no change without a purchase” in a rude tone of voice.

So naturally I found a pack of mints that were cheap. I brought it to the counter and paid with a twenty. I then grabbed a pack of gum. Paid with another twenty.

Yes, sometimes I’m like that.

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<div class="post-metadata">

**Author:** ![kayaker](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/kayaker/32/441_2.png) [@kayaker](https://boards.straightdope.com/u/kayaker)\
**Post date:** [October 7, 2024, 12:17pm UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/59 "2024-10-07T12:17:38Z")

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> [@Alessan](#):
>
> The need them to Scandinavian.

That was fantastic, thank you!

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<div class="post-metadata">

**Author:** ![Spiderman](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/spiderman/32/230_2.png) [@Spiderman](https://boards.straightdope.com/u/Spiderman)\
**Post date:** [October 7, 2024, 1:18pm UTC](https://boards.straightdope.com/t/snot-nosed-bank-wont-make-change/1008476/60 "2024-10-07T13:18:12Z")

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I’m thinking @Alessan should be keelhauled for that one!

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