In What Part Of The Us...

As a kid I did CRH in the Southwestern USA. The midwest seems better!

Not sure about today, but for a long time (decades) prior to, say, 1980 the best place to CRH was California and the north west - areas served almost exclusively by the San Francisco mint. Some years ago I bought many LWC rolls from the estate of a woman from Sacramento who had saved them for no particular reason during the '30s and '40s. The yield was incredible - the SVDB was the only S-mint not found. Less than 5% of the coins were from Philadelphia.

Personally, I like Catalina, but never found any coins there.

My better half is from LA. I have been there more than a few times to visit since she still has family in Southern California. For what it is worth, I have also been in Irvine for work a few times (Toshiba).

A couple times a year her aunt sends me a box of change to search, so I have managed to keep my D-mint circulation finds current.

There really isn't a good answer. I would say the biggest impact is the number of banks in your area and your willingness to continue looking for a better situation. Most of us find a groove and get comfortable rather than pushing on to new banks looking for new opportunities. There are things regionally that impact the rate of keeper finds. For instance, none of the banks in my area allow you to roll-your-own coins. So every coin I return goes in to a coin machine. I won't go in to detail but this has several impacts on my CRHing experience vs people who are able to buy CWR's and deposit via CWR (I get super jealous when I see solid rolls of silver on CC ). The scale to which you CRH will also have a big impact. Credit Unions are usually great, until they're not. Like others have said, they don't have many commercial accounts. You can establish relationships and have everything running smooth. As soon as you push it to far or management notices a difference in the amount of coin in/out, you can be shut down instantly. This is a likely scenario at local and regional banks as well. I've experienced both.

OO