By folder I presume you mean an actual folder, not an album. The difference is naturally a folder you push the coins into a slot whereas the album they have a plastic slide, front and back and usually the coins just fall into the slot. If in fact you are using a folder, note the shine in the back of the folder's slots. That is the glue from the manufacturing process of gluing a slotted cardboard sheet onto a piece of paper. If you are in a high humity area the glue will eventually stick to the coins. If you've ever seen coins with lines on the reverse that is usually a sign they were in such a folder.