According to BankRate.com:Quote:
“More banks are actively seeking coin deposits to help meet demand in their branches and among their retail customers that rely on coins to conduct transactions,” says Steve Kenneally, senior vice president of payments at the American Bankers Association.
Many big banks have phased out their coin-counting services in recent years, but the regional banks or credit unions that do offer coin exchange likely do so at no cost to customers. There may be a small fee for noncustomers to use the bank’s coin-counting services.
“Different banks have different coin acceptance policies,” Kenneally says. “Some accept rolled coins and some accept loose coins to process through a coin-counting machine. If they have a machine, loose coins are usually preferred.”
After a cursory search, it appears Bank of America and Wells Fargo accept rolled coins for exchange, at no charge for customers. US Bank and TD Bank will apparently accept loose coins. Credit unions are more likely to provide the service at no charge for non-customers, but you'll want to call ahead to make sure. And apparently at the time of this writing, a gas station network operating some 800 stores across 11 states called QuickTrip isn’t charging any service fees for coin exchanges due to the national coin shortage. So, you could recoup 100% of your money without having to do any work except physically going into the gas station.
Now if I may offer you some advice. Don't give your mom money for Christmas shopping. Explain to her that it's not so important to get people things, and going further into debt just to buy token gifts that most people probably don't want or need, is not a good decision for you or for her. If she wants to express gratitude and kindness during the holiday season, suggest that she writes letters and maybe cooks a meal and/or hosts a gathering to share meaningful time together. How insanely consumerism has been tied into the holidays drives me absolutely nuts, and if your Mom has to be borrowing YOUR money to play that game?... Well I sure as hell wouldn't be giving my Mom money for that sort of crap. From what you wrote, she already owes you money, which you expect her to pay back, yet you also expect her to simultaneously come asking to borrow more? That just isn't adding up and I would encourage you to cut her off with regard to leveraging debt for non-essential activities.
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