Rural Or Urban Banks

The size of the bank has less to do with it than the procedures of the bank and the tellers them selves. one of my banks has a teller who collects coins with her daughter, no chance of anything nice coming from there, aside from helpful service and tales of Her finds (which is as good as gold, but not silver)

I live in one of the largest towns in Montana, which means it only takes five minutes to drive to the middle of no-where. I use two banks, one is a rural type bank they have a few locations spread out all over the state. The other bank is in a few cities but mainly mine and they have a main change hub where all there branches send loose coins to be re-rolled. I can tell when I am getting bank rolled Vs. Fed rolled (the bank doesn't use String and Sons papers)

Find out there procedures, ask them for an entire box of dimes, $250. If they say you will have to go to a different branch then hopefully you won't have to drive too far, they may be able to have it delivered to that branch but may charge you for the armed transport to get it there.

I have had very little luck with halves (4, 2 - 40%'s and 2 - 90%'s), dimes seem to be giving me more (21 counting the '68 Canadian) and 16 silver nickels.

If they are primarily just recirculating old change then CRH'ing could be near to impossible. Ordering a box may end with brand new 2013's, but also might end with 4 silvers in a box (my best ever, 7 silvers in 3 boxes then 3 more boxes that were brand new, took my average down to 7 in 6 boxes for that month.)

Good luck with it and if anyone wants to say you are wasting your time or gas ask if they waste their time and gas driving up a mountain to go skiing, or any other hobby.

It's a hobby, it's fun take pleasure in the little victories, get a coin folder and see how long it takes to fill it. I'm working on Canadian coins from US rolls. I got a single roll of halves that had two silvers (1964 and 1965) sitting next to each other and I was not surprised I was almost angry! I remember saying to the coins "Well it's about TIME!" but I found a 1995 Canadian cent a few days later and I was pumping my fist and jumping for joy... it was dingy and faded but it was a hole filler

Not to discourage you but under $1000 in halves is really not much at all. I've done $820 this month alone and got skunked. Last month I got 3 silvers in $150 worth of halves. It comes down to luck and knowing their procedures. I've mined the nickels out here pretty bad, so I'm working on dimes for a while till the nickels can re-charge. Another thing I did was to take a sharpie and mark about 5% of a load a few months back, I just got them all back in a bag rolled by the bank.

It's like rotating crops when dimes are bad work on nickels and vice versa. Quarters are not very good in my area, they are highly used and easily spotted, but I still try them for the State Quarters and I live in hope of my first silver find from them.

Sorry I got a little long winded, hope this helps

Edit: spelling

The way I see it, new coins from the mint get distributed to the biggest banks in the country, then those banks distribute them to smaller and smaller banks until there giving them to a bank in a town of 900 people. So I think rural is better but who knows.

I like banks in rural areas myself. I have had good luck with the ones in my area and it is pretty rural.

I live in a rural area and I have to drive 15 miles into the banks . I get coins from 3 different banks and lately I haven't been finding much.I usually get 40 to 50 rolls of nickels 3 times a week.I've put 7 complete sets of nickels together 38-61 roll searching but lately I been having to buy the key dates.

I think richer towns have less because they know what they have, and don't need the money

I'm not really sure. When I first started hunting halves six years ago, it was nothing to go out and get multiple silvers on a weekday road trip. I found several hundred silver halves that first year, and I didn't go out much. Half dollars aren't normally in circulation, but many rolls were coming from a couple businesses in the area. Now, the finds are slim, (massive competition) and sure collections get dumped from time to time. I believe some of today's finds are just remnants of backroom rolls that make it to crh'ers from time to time...also, I believe the dimes that I find are just native circulating silver. I've hunted $150,000+ in dimes the last few years, and 70% were customer rolled. I've never found a solid silver roll, so there goes the dumped collection theory. My silver find averages remain the same over the last six years, roughly 1 silver per $150 searched.

Well, not so great, people were still hoarding silver after it was discontinued. Around 1979-80, I searched dimes and halves. There was less to be found than in these modern times. 1980 brought a recession, unemployment, and interest rates around 15-18%. We threw the 40% halves back! they contained silver but the Hunt bros. wanted as pure silver as possible in their attempt to corner the market. Refining costs...

Never found Indian cents, never searched for them. If you like em, take up metal detecting. In 5 years I've dug dozens of IH's...including some nice semi-keys