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Irritating Banks

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Zbcoins9192's Avatar
United States
29 Posts
 Posted 10/03/2015  12:19 pm Show Profile   Bookmark this topic Add Zbcoins9192 to your friends list Get a Link to this Message Number of Subscribers
I currently have TD bank as my main source however the branches in my area do not respond well and I belive most of the tellers are also coin hunters, so to them I'm competition. however if I have an account and more than enough money how can they refuse me boxed coins. There has to be a loop hole aside from bringing in goodies for people to do the most simple task out of their daily tasks. and still not want to work with me after giving said goodies. I have heard about Wells Fargo being friendly can anyone give input to this or suggest other banks and/or Strategies.
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Harmonica's Avatar
Canada
1118 Posts
 Posted 10/03/2015  12:49 pm  Show Profile   Bookmark this reply Add Harmonica to your friends list Get a Link to this Reply
Firstly,
Secondly you should just get a new bank. If they are holding back the goodies for themselves their is not much you can do. Their may be a legal way you can force them to give you coins but if you do that they will just pick on you relentlessly in other ways. Best to move on.
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westernsky's Avatar
United States
7618 Posts
 Posted 10/03/2015  12:50 pm  Show Profile   Bookmark this reply Add westernsky to your friends list Get a Link to this Reply
Banks are in business to make money.

Asking for a few rolls of coins is one thing, asking for boxes of rolls is another. The armored courier does not deliver this stuff to the banks for free.

Offer to pay the service fees if you want boxes of coins. You might be treated better and feel a little more welcome.

Good luck and welcome to the forum!
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John1's Avatar
United States
56855 Posts
 Posted 10/03/2015  12:51 pm  Show Profile   Bookmark this reply Add John1 to your friends list Get a Link to this Reply
to CCF. I don't think any bank is "required" to sell you boxes of coins unless you have a "business" account. Call around your location and talk with the bank managers and tell them why you want boxes of coins.You should be able to find one that is CRHing friendly.Good luck.
John1
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Garoyn's Avatar
United States
513 Posts
 Posted 10/03/2015  1:17 pm  Show Profile   Bookmark this reply Add Garoyn to your friends list Get a Link to this Reply


One of the banks I use is Wells Fargo. The treatment I get varies from branch to branch.

One branch (admittedly kinda small) told me never to bring them coins to deposit (into my account) and that I should take the coins back to the branch from where I got them. Not CRH friendly.

Another branch (more of a "main" branch), has no problem with me "withdrawing" boxes of coins and they have them on hand and no need to "order" them. CRH friendly.

Another branch will let me withdraw or "buy" rolls (in small quantities), but never has dollar coins or half dollar coins and, though they don't explicitly say it, resents me asking. Got rolls of solid wheats there before. CRH "neutral."

You may find your treatment depends on the branch. Try a different branch before changing banks completely.
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Zbcoins9192's Avatar
United States
29 Posts
 Posted 10/03/2015  1:53 pm  Show Profile   Bookmark this reply Add Zbcoins9192 to your friends list Get a Link to this Reply
Thanks for the welcome ive been a Reader for quite some time this is my first post on a blog alwasy wanted to but never did.

This is also my 3rd bank after trying Bank of America and Suntrust Bank of america went out of their way on the "hidden fees policy" long story short I closed my account in the negative and walked away with $400 in cash due to their errors.
Suntrust just wasnt helpful and locations were limited during the time.

I am aware of the fees the courier passes on to the bank, BUT get this, I have been told that the fees can not be passed onto me by both tellers and manager, because I am not a buisness account holder. that is a complete lie because having a buisness account in most cases lifts the fees from what I know atleast. It may also be due to the area I live in I'm about 2 miles from the Washintgon D.C boarder. So I'm in a very urban area either I'm dealing with a coin roll hunter who is determined to deter me from "their" coins, Or I am dealing with an angry and ignorant person who wants nothing to do with my buisness. I shall go out on my next off day to do some bank searching thanks again for the welcomes.
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Zbcoins9192's Avatar
United States
29 Posts
 Posted 10/03/2015  2:02 pm  Show Profile   Bookmark this reply Add Zbcoins9192 to your friends list Get a Link to this Reply
Should I open a new topic if I want to ask about if the area you live in depends on the coins you will find. IE: say you live in rural/agriculture area vs urban inner City? If so, I will start one still new to this and do not want to offend or irritate anyone.
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bobby131313's Avatar
United States
24154 Posts
 Posted 10/03/2015  2:17 pm  Show Profile   Bookmark this reply Add bobby131313 to your friends list Get a Link to this Reply

Quote:
long story short I closed my account in the negative and walked away with $400 in cash due to their errors.


You know that will end up on your credit report right?
Rest in Peace
Buddy's Avatar
United States
7075 Posts
 Posted 10/03/2015  2:19 pm  Show Profile   Bookmark this reply Add Buddy to your friends list Get a Link to this Reply


Yesm start a new thread with a descriptive title to get the proper attention.
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westernsky's Avatar
United States
7618 Posts
 Posted 10/03/2015  2:56 pm  Show Profile   Bookmark this reply Add westernsky to your friends list Get a Link to this Reply
Bobby is correct.

Closing an account with a negative balance is asking for trouble. They can, and will, report you to the credit bureaus and can keep you from opening new accounts.

It is all in the fine print of the account terms and conditions you agreed to, but probably didn't read, when you originally opened the account.
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Libertad's Avatar
Canada
3692 Posts
 Posted 10/03/2015  3:21 pm  Show Profile   Bookmark this reply Add Libertad to your friends list Get a Link to this Reply
Go up to tellers you know to be new. They are eager to please. But remember that they don't owe you anything for all that heavy lifting - to them that's hard work. And they're banks, there to make money, not to break even and spend their labor on you.
Pillar of the Community
1325 Posts
 Posted 10/03/2015  4:50 pm  Show Profile   Bookmark this reply Add shadz to your friends list Get a Link to this Reply
Business account is your best option since businesses need change to operate on in order to earn money to deposit into the bank which the bank can turn around and make bad investments with.

I have only had luck at Wells Fargo and not having an account and never been denied coins anywhere with a business account. I also don't get large amounts or that often. a box or two a month is all I can support hunting. Barring that get a new bank. Some are good in some areas and the same bank could have all the jerk tellers and managers at another branch. I have also never bribed any tellers, but freely opened the box of halves for the vault teller at WF the first time she ordered them because she had never seen one.

Also some people just make runs of all sorts of banks while they are doing daily errands and stuff and just get some rolls from every bank they can find! Boxes are easy sure, just pop into the bank, get the box and go home. But I have found more silver halves in customer rolls than boxes (all 40%ers).
Valued Member
United States
314 Posts
 Posted 10/03/2015  5:21 pm  Show Profile   Bookmark this reply Add Centsei to your friends list Get a Link to this Reply
Do you mind if I ask what a "customer roll" is? Thanks.
Pillar of the Community
United States
819 Posts
 Posted 10/03/2015  6:07 pm  Show Profile   Bookmark this reply Add chipjones to your friends list Get a Link to this Reply
customer rolls are the ones that people wrapped and then cashed.
New Member
49 Posts
 Posted 10/03/2015  6:16 pm  Show Profile   Bookmark this reply Add Robby Bee to your friends list Get a Link to this Reply
I may be able to help - I have had issues with TD as well. If you would like, please send me an email so we can chat off-line.
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Zbcoins9192's Avatar
United States
29 Posts
 Posted 10/03/2015  6:19 pm  Show Profile   Bookmark this reply Add Zbcoins9192 to your friends list Get a Link to this Reply
A customer roll is a hand packed roll that is brought in to the bank by an account holder. You get them from a tellers drawer usuallly. Gastation an liquor stores are the best places aside from banks.
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