Enough with the fees, TD!
July 18, 2011 3:47 AM Subscribe
What to do with spare change?
So, I'm displeased with TD Bank, but have kept my account because their free change counting is sooo convenient. But after opening a statement with yet another overblown fee, I'm over it.
How do you use your spare change? I've seen this from 2008, but I wonder if there is an update. Does coinstar still give GCs w/no fee? I'd prefer not to roll change if at all avoidable.
So, I'm displeased with TD Bank, but have kept my account because their free change counting is sooo convenient. But after opening a statement with yet another overblown fee, I'm over it.
How do you use your spare change? I've seen this from 2008, but I wonder if there is an update. Does coinstar still give GCs w/no fee? I'd prefer not to roll change if at all avoidable.
Best answer: I used a Coinstar machine yesterday to turn a pile of change into a fee-free Amazon gift card.
posted by backupjesus at 3:55 AM on July 18, 2011 [1 favorite]
posted by backupjesus at 3:55 AM on July 18, 2011 [1 favorite]
Best answer: Many of the grocery stores where I shop have self checkout lanes. These machines will take coins as payment. So, to use up my pocket change, I'll go through the self checkout lane, pay part of the bill with whatever pocket change I have on me, and put the rest on my debit card.
The only downside is that if you're using more than a small amount of change, there is the distinct possibility that you're going to hold up the progress of the line & incur the wrath of your fellow shoppers.
posted by AMSBoethius at 3:57 AM on July 18, 2011 [3 favorites]
The only downside is that if you're using more than a small amount of change, there is the distinct possibility that you're going to hold up the progress of the line & incur the wrath of your fellow shoppers.
posted by AMSBoethius at 3:57 AM on July 18, 2011 [3 favorites]
Yup, another person here who just turned a few jugs of change into another Amazon GC using coinstar, yeah, there's still no fee for some of the GCs.
posted by kaszeta at 4:04 AM on July 18, 2011
posted by kaszeta at 4:04 AM on July 18, 2011
Many of the grocery stores where I shop have self checkout lanes.
This is what I do. When the amount of change I have exceeds the old prescription bottle I keep it in, I buy groceries. When I do this, I try to hit up the store at off-peak hours so I don't piss anyone off.
Some of the shelf-checkout machines even have a coinstar-like dump slot (rather than a slot to feed the coins in one-by-one), which really speeds things up.
You can also use your quarters to buy bills off of friends who have to pay for laundry.
posted by phunniemee at 4:13 AM on July 18, 2011
This is what I do. When the amount of change I have exceeds the old prescription bottle I keep it in, I buy groceries. When I do this, I try to hit up the store at off-peak hours so I don't piss anyone off.
Some of the shelf-checkout machines even have a coinstar-like dump slot (rather than a slot to feed the coins in one-by-one), which really speeds things up.
You can also use your quarters to buy bills off of friends who have to pay for laundry.
posted by phunniemee at 4:13 AM on July 18, 2011
I put my silver change into a piggy-bank. Along about December 1, I take it to a coinstar and turn it into an Amazon certificate, which I use towards my holiday shopping. I normally accumulate about $100-150 a year in silver change.
Pennies I throw into a giant pot on the floor. It now contains over 75 pounds of the little buggers. I think I figured out a pound of pennies is about a dollar-fifty on average...so that's $100+ that I just cannot imagine standing at the coinstar machine trying to feed them through. It would take hours. So...art project? Flooring? Have no idea.
posted by maxwelton at 4:19 AM on July 18, 2011
Pennies I throw into a giant pot on the floor. It now contains over 75 pounds of the little buggers. I think I figured out a pound of pennies is about a dollar-fifty on average...so that's $100+ that I just cannot imagine standing at the coinstar machine trying to feed them through. It would take hours. So...art project? Flooring? Have no idea.
posted by maxwelton at 4:19 AM on July 18, 2011
If you're with TD, you might be in Canada. I've yet to see a Canadian Coinstar machine that didn't charge the ~10%, and provide anything other that store credit or charity vouchers.
posted by scruss at 4:37 AM on July 18, 2011
posted by scruss at 4:37 AM on July 18, 2011
We bank at US Bank; we keep our change in a gallon whiskey jug (the mouth is just large enough to take Sacagawea dollars). When it's full, we take it to our bank and pour it into a plastic bucket they have. They pour the bucket into a change sorting machine, and deposit the final total into our account. I'm more curious that banks are making that process difficult -- it's cash, but they don't accept it for deposit without charging a fee?
posted by AzraelBrown at 4:44 AM on July 18, 2011
posted by AzraelBrown at 4:44 AM on July 18, 2011
A number of smaller, privately-owned banks around here will roll your change for free. Some even have that cool money-counting feature.
posted by xingcat at 4:47 AM on July 18, 2011
posted by xingcat at 4:47 AM on July 18, 2011
I had this problem the other day: my neighbor needed ones, and I traded him for his change, which meant that I ended up with several pounds of coinage.
I separated it into denominations and then went to the store, explaining to the (not busy) cashier that I had a ton of change, and would she mind if I used it? She was delighted to have it, as it saved her a trip to the bank, and the pre-separation of coins made the transaction go quickly.
Be prepared; buy things; tell the cashier up front; chose your time. Oh, and if you have one of those little coin sorter machines, make a habit of dumping your change into it at the end of the day.
posted by MonkeyToes at 4:57 AM on July 18, 2011
I separated it into denominations and then went to the store, explaining to the (not busy) cashier that I had a ton of change, and would she mind if I used it? She was delighted to have it, as it saved her a trip to the bank, and the pre-separation of coins made the transaction go quickly.
Be prepared; buy things; tell the cashier up front; chose your time. Oh, and if you have one of those little coin sorter machines, make a habit of dumping your change into it at the end of the day.
posted by MonkeyToes at 4:57 AM on July 18, 2011
I've seen them in Commerce Banks, PNCs and Wells Fargo/Wachovias.
That said, can you just keep $5 in your TD account for the coin-counting convenience, but move your "real" banking to wherever the fees/rates/customer service etc. are better?
posted by mauvest at 5:01 AM on July 18, 2011
That said, can you just keep $5 in your TD account for the coin-counting convenience, but move your "real" banking to wherever the fees/rates/customer service etc. are better?
posted by mauvest at 5:01 AM on July 18, 2011
Helpful American commenters, the asker is in Canada where, as scruss said, Coinstar does not offer any goodies and does maintain that coin handling fee (11 or 12%, I think).
I'm moving from TD to ING soon (no fee checking!). You can switch your TD account to savings, keep a checking account elsewhere, and still (maybe) get coin counting privileges there.
You can pick up plastic coin wrappers at a dollar store. I have found banns and stores are more likely to accept them, and they're easy to fill because you don't have to count.
posted by maudlin at 5:14 AM on July 18, 2011
I'm moving from TD to ING soon (no fee checking!). You can switch your TD account to savings, keep a checking account elsewhere, and still (maybe) get coin counting privileges there.
You can pick up plastic coin wrappers at a dollar store. I have found banns and stores are more likely to accept them, and they're easy to fill because you don't have to count.
posted by maudlin at 5:14 AM on July 18, 2011
I never accumulate spare change because I keep it with me and pay for everything in an "exact" manner. If I owe $4.17, I hand over $20.17, for instance. If it's $2.51, maybe $5.01. It's a technique that takes commitment (and an old lady style coin purse) but I honestly never accumulate, which is pretty awesome.
posted by Go Banana at 5:16 AM on July 18, 2011 [1 favorite]
posted by Go Banana at 5:16 AM on July 18, 2011 [1 favorite]
Response by poster: Not to thread sit, but we do have TD in the US, I'm in the NYC metro area where using change to pay for things is generally not smiled upon:(
posted by cestmoi15 at 5:17 AM on July 18, 2011 [2 favorites]
posted by cestmoi15 at 5:17 AM on July 18, 2011 [2 favorites]
Whoops! Looks like the asker is in NYC. (TD has real branches in the States now?)
Anyway, go for the Amazon goodies, you lucky ducky. Canucks, consider the plastic rolls.
posted by maudlin at 5:18 AM on July 18, 2011
Anyway, go for the Amazon goodies, you lucky ducky. Canucks, consider the plastic rolls.
posted by maudlin at 5:18 AM on July 18, 2011
TD self-operated coin machines are free, but due to a recent policy change, it's only if you have an account there.
posted by StickyCarpet at 5:35 AM on July 18, 2011
posted by StickyCarpet at 5:35 AM on July 18, 2011
The occasional problem/pushback with rolled coinage is that you can't quickly tell if what's inside the wrapper is what's on the label, particularly if it's the paper wrappers. Sadly, there are people who will short rolls and try to redeem them, petty though it seems. This involves a nuisance factor for whoever accepts them, not just the loss of a dollar or two but the aggravation it creates when a cash drawer is off by that much at the end of the night--congratulations, you just made an innocent retail employee look like they're sloppy or stealing change.
I was a bank teller many, many years ago. We hated customer-rolled coins. Bank policy at the time was that customers had to write their account number on the rolls so they could be charged back if they were short, or credited if they were (rarely) over. Tellers supported this because shortages made us look bad, even dimes and quarters. (This was in the days before public automated coin counting and schemes like Coinstar--our only coin counter was behind the commercial teller window.)
Shorter answer:
Rolled coins: not great.
You're in NYC, surely there's an alternate bank with a coin counter for customers? They're fairly common at Wells Fargo branches in my area, and other banks as well.
posted by gimonca at 5:37 AM on July 18, 2011
I was a bank teller many, many years ago. We hated customer-rolled coins. Bank policy at the time was that customers had to write their account number on the rolls so they could be charged back if they were short, or credited if they were (rarely) over. Tellers supported this because shortages made us look bad, even dimes and quarters. (This was in the days before public automated coin counting and schemes like Coinstar--our only coin counter was behind the commercial teller window.)
Shorter answer:
Rolled coins: not great.
You're in NYC, surely there's an alternate bank with a coin counter for customers? They're fairly common at Wells Fargo branches in my area, and other banks as well.
posted by gimonca at 5:37 AM on July 18, 2011
Ditto what StickyCarpet says. The TD Bank coin machines are no longer free for non-account holders.
posted by ThePinkSuperhero at 5:38 AM on July 18, 2011
posted by ThePinkSuperhero at 5:38 AM on July 18, 2011
Is there a credit union you can join? Their interest rates are typically lower but their fees are too (mine--not in NYC, sorry--has no fees on change conversion, ATM use, or debit card use in grocery stores, and requires only that I keep $5 or more in a savings account). Google Maps shows a large number of credit unions in NYC, though I'm not sure which would be most convenient for you or what the membership requirements might be.
As for what I do with change, I let it fill an old spackling paste bucket, then dump it into my savings account, then move fixed amounts out of savings into an IRA.
posted by johnofjack at 5:52 AM on July 18, 2011 [1 favorite]
As for what I do with change, I let it fill an old spackling paste bucket, then dump it into my savings account, then move fixed amounts out of savings into an IRA.
posted by johnofjack at 5:52 AM on July 18, 2011 [1 favorite]
Huh, who knew that people review coin counting places on Yelp? Anyway, looks like Commerce Bank offers free coin counting to non-account holders - see this review of the one in Brooklyn.
posted by desjardins at 6:02 AM on July 18, 2011
posted by desjardins at 6:02 AM on July 18, 2011
I use cs bank and they have something called "coin zone" which is a free coin changing machine.
I'm very satisfied with it.
Maybe there is a small local bank like this where you are?
posted by crawltopslow at 6:03 AM on July 18, 2011
I'm very satisfied with it.
Maybe there is a small local bank like this where you are?
posted by crawltopslow at 6:03 AM on July 18, 2011
@desjardins: FYI- Commerce Bank merged with TD Bank about two years ago. Free coin counting for non-account holders went away about six months ago (I know this because I went to the bank twice a year to exchange coins and the last time I did this, they wanted 10% for non-account holders).
posted by tommccabe at 6:13 AM on July 18, 2011
posted by tommccabe at 6:13 AM on July 18, 2011
I bank with Bank of America, and I can just deposit change in a bag -- no rolling (although I do roughly count the change beforehand so I have an idea of what to expect) -- at a bank and it gets credited to my account about 10 business days later. Most branches can't count it on site, but they'll send it off somewhere and I've never had a problem or a dispute.
I don't like carrying change either, incidentally -- most guys' wallets don't have change pockets, and it's annoying, loud and unsightly to have your pockets bulging full of change all the time. I usually just pocket any change during the day, drop in a cup at home and take it to the bank when it gets full.
posted by andrewesque at 6:24 AM on July 18, 2011
I don't like carrying change either, incidentally -- most guys' wallets don't have change pockets, and it's annoying, loud and unsightly to have your pockets bulging full of change all the time. I usually just pocket any change during the day, drop in a cup at home and take it to the bank when it gets full.
posted by andrewesque at 6:24 AM on July 18, 2011
My credit union offers free coin counting if you have an account there; you might want to look at getting a savings account at one in your area for that and other reasons.
posted by TedW at 6:27 AM on July 18, 2011
posted by TedW at 6:27 AM on July 18, 2011
I never accumulate spare change because I keep it with me and pay for everything in an "exact" manner. If I owe $4.17, I hand over $20.17, for instance. If it's $2.51, maybe $5.01. It's a technique that takes commitment (and an old lady style coin purse) but I honestly never accumulate, which is pretty awesome.
I too take care of the extra coinage situation one transaction at a time. In addition to GoBanana's suggestion above, which I certainly do employ, I also trade the cashier coins for bills (or larger coins) when the drawer is open. Another option, if I can't "trade up" or if the small change is getting out of control, I will throw my coins into tip jars at coffee shops.
posted by cranberrymonger at 6:30 AM on July 18, 2011
I too take care of the extra coinage situation one transaction at a time. In addition to GoBanana's suggestion above, which I certainly do employ, I also trade the cashier coins for bills (or larger coins) when the drawer is open. Another option, if I can't "trade up" or if the small change is getting out of control, I will throw my coins into tip jars at coffee shops.
posted by cranberrymonger at 6:30 AM on July 18, 2011
> Does coinstar still give GCs w/no fee?
The answer to your question is, very literally, on the front page of the coinstar.com website.
posted by devbrain at 6:30 AM on July 18, 2011
The answer to your question is, very literally, on the front page of the coinstar.com website.
posted by devbrain at 6:30 AM on July 18, 2011
It's much easier to keep the overhead low by using what you have when you have it. Making special trips with a heavy bucket of coins seems like too much trouble.
It's hard to believe that using change is frowned upon unless you are sitting there counting a horde of pennies for 20 minutes. If you owe $10.53, don't give 53 pennies, give the cashier 3 pennies. For nearly all transactions just carry something like 3 quarters, 4 dimes, 3 nickels, and 4 pennies. It will take you the same amount of time to have the amount of change ready than to have the cashier return you change. Time shouldn't be an issue.
posted by JJ86 at 6:52 AM on July 18, 2011
It's hard to believe that using change is frowned upon unless you are sitting there counting a horde of pennies for 20 minutes. If you owe $10.53, don't give 53 pennies, give the cashier 3 pennies. For nearly all transactions just carry something like 3 quarters, 4 dimes, 3 nickels, and 4 pennies. It will take you the same amount of time to have the amount of change ready than to have the cashier return you change. Time shouldn't be an issue.
posted by JJ86 at 6:52 AM on July 18, 2011
You might try a larger bank branch. Although it must be a NYC thing, it seems like banks here in Chicago always have change counting machines. You have the teller a bag of change, they dump it in the machine, and it spits out a receipt they stick in their drawer for when it's time to balance.
The other thing I'll do is use rolled coin to purchase things at retail. They often have to pay for rolled coins, so it's win-win. If they trust you.
posted by gjc at 6:57 AM on July 18, 2011
The other thing I'll do is use rolled coin to purchase things at retail. They often have to pay for rolled coins, so it's win-win. If they trust you.
posted by gjc at 6:57 AM on July 18, 2011
I'm in the UK, often if I'm in a newsagent or cake shop buying something and my pocket is weighed down with change then I'll ask if they want some change for the till, never been turned down yet. Also they are fast at counting and don't mind doing so.
Weekends, when the banks are closed, is when shops can be desperately grateful for extra change.
posted by epo at 6:57 AM on July 18, 2011
Weekends, when the banks are closed, is when shops can be desperately grateful for extra change.
posted by epo at 6:57 AM on July 18, 2011
The GF banks at TD but I bank at a local credit union. $5 minimum balance, instant $500 line of credit for over draft protection (with no fees, just interest at 12%), free coin counting at a machine, free currency exchange, free money orders (one per month).
posted by Brian Puccio at 7:15 AM on July 18, 2011
posted by Brian Puccio at 7:15 AM on July 18, 2011
Couldn't tell from this link whether MetroCard vending machines take coins, but I'd be surprised if they didn't. So, here is your piggy bank. There may be a limit on how many coins they'll take per transaction (the BART fare machines here do), but you can turn a large chunk of change (except pennies, probably) into a multi-ride ticket. Or use coins on the bus to pay your fare.
posted by Quietgal at 7:43 AM on July 18, 2011
posted by Quietgal at 7:43 AM on July 18, 2011
Not to thread sit, but we do have TD in the US, I'm in the NYC metro area where using change to pay for things is generally not smiled upon:(
Yeah, like cranberrymonger and Go Bannana, I use change as I go along to pay for stuff and to get back "more exact" change on transactions.
Lots of folks I deal with on a daily basis don't mind getting change. I just gave the newsstand guy downstairs $5.70 (2 quarters, a dime, a nickel and five pennies) for two sodas. I wouldn't have done this if there was anyone behind me in line, but they generally like to get change rather than give it out.
As Quietgal suggests, I also use change in Metrocard and LIRR ticket machines (though I've just signed up for the autorefill Metrocard, so I won't be doing so much of that.)
I also drop a fair amount of it in Church collection boxes and plates, but your church/synagogue/mosque/temple-going habits may vary.
posted by Jahaza at 8:07 AM on July 18, 2011
Yeah, like cranberrymonger and Go Bannana, I use change as I go along to pay for stuff and to get back "more exact" change on transactions.
Lots of folks I deal with on a daily basis don't mind getting change. I just gave the newsstand guy downstairs $5.70 (2 quarters, a dime, a nickel and five pennies) for two sodas. I wouldn't have done this if there was anyone behind me in line, but they generally like to get change rather than give it out.
As Quietgal suggests, I also use change in Metrocard and LIRR ticket machines (though I've just signed up for the autorefill Metrocard, so I won't be doing so much of that.)
I also drop a fair amount of it in Church collection boxes and plates, but your church/synagogue/mosque/temple-going habits may vary.
posted by Jahaza at 8:07 AM on July 18, 2011
I, in nyc, generally pay with exact change and use other change in the supermarket self-serve checkout.
posted by Obscure Reference at 8:08 AM on July 18, 2011
posted by Obscure Reference at 8:08 AM on July 18, 2011
Best answer: And if it's not obvious from my reference to the LIRR and Metrocards, I live in NYC.
posted by Jahaza at 8:19 AM on July 18, 2011
posted by Jahaza at 8:19 AM on July 18, 2011
I'm with the keep-it-on-me-and-use-it crowd. I currently have a little over five bucks in my change pocket. It doesn't bulge excessively.
posted by flabdablet at 8:40 AM on July 18, 2011
posted by flabdablet at 8:40 AM on July 18, 2011
If you buy something small regularly, like a newspaper, whoever sells it to you will be grateful. Especially if you have the exact money counted out*. There's no such thing as too much change in a till, in my experience.
*Please do not stand at the till and count out change, unless it involves three coins or less.
posted by Solomon at 9:13 AM on July 18, 2011
*Please do not stand at the till and count out change, unless it involves three coins or less.
posted by Solomon at 9:13 AM on July 18, 2011
After doing a big house cleaning recently, I ended up with two coffee cans full of change. My intent was to go try out coinstar, since I'd never used it, so I put one of the cans in the trunk of the car. Haven't made it to coinstar yet, but the can is still in my trunk and it's awesome to have change for the meter whenever I need it, or a cup of coffee. It's slowly emptying. So there's one option!
posted by JenMarie at 9:31 AM on July 18, 2011
posted by JenMarie at 9:31 AM on July 18, 2011
This question could not have come at a worse time. I am on vacation, and my at work nickel museum is closed until I get back. Nickel museum? Since you asked, I'll tell you about the Nickel Museum.
A number of years ago, me and a co-worker started putting our pennies in a container at work. Each Christmas, we would roll the pennies, and donate it to some charity, usually about $75. Once day, I remarked that while this was a good thing, there was no real money in it, and that we should start collecting something with a little more value, let's say, nickels! So, I began keeping my nickels in my desk. Before I knew it, my tray in my desk drawer was overflowing with nickels. So, I decided to organize them nice and neat in my tray. Soon, my first tray was full of nice and neat rows of nickels.
Admiring the neat and sleek silver(ish) rows, I 'borrowed' an empty tray from a co-worker, and I started collecting more nickels. Eventually, the second tray became full. Now things become serious. If I really want this to be something, I would have to become more imaginative and aggressive in my search for nickels. I would never spend them. I would never have "the exact change". I would solicit nickels from co-workers, asking them to search their own collection of change in their desks. I would harass the coffee fund guy, asking him if I could buy his nickels from him. It became an obsession. Before I knew it, there were 3 full trays, then 4, and now 5. But wait! I didn't want to become one dimensional, so I started saving dimes. Every good museum should have some diversity among the exhibits, to keep people coming in and keep them interested. And people came. Co-workers, people from other areas asking me where the boardroom was, maintenance people, friends of co-workers, even the kids who come by at Christmas for the kids party all drop by the museum. Once they are over the awe of the vastness of collection, each visitor gets a free souvenir--that's right--a shiny nickel! The collection now stands at about 2500 nickels, and about 1000 dimes; all lined up in nice neat rows in my desk. And here I am at home, miles away from work, on vacation, AND I CAN'T POST A PICTURE OF MY COLLECTION!
To answer the question, cestmoi15--I'll buy your dimes and nickels.
posted by BozoBurgerBonanza at 10:08 AM on July 18, 2011 [2 favorites]
A number of years ago, me and a co-worker started putting our pennies in a container at work. Each Christmas, we would roll the pennies, and donate it to some charity, usually about $75. Once day, I remarked that while this was a good thing, there was no real money in it, and that we should start collecting something with a little more value, let's say, nickels! So, I began keeping my nickels in my desk. Before I knew it, my tray in my desk drawer was overflowing with nickels. So, I decided to organize them nice and neat in my tray. Soon, my first tray was full of nice and neat rows of nickels.
Admiring the neat and sleek silver(ish) rows, I 'borrowed' an empty tray from a co-worker, and I started collecting more nickels. Eventually, the second tray became full. Now things become serious. If I really want this to be something, I would have to become more imaginative and aggressive in my search for nickels. I would never spend them. I would never have "the exact change". I would solicit nickels from co-workers, asking them to search their own collection of change in their desks. I would harass the coffee fund guy, asking him if I could buy his nickels from him. It became an obsession. Before I knew it, there were 3 full trays, then 4, and now 5. But wait! I didn't want to become one dimensional, so I started saving dimes. Every good museum should have some diversity among the exhibits, to keep people coming in and keep them interested. And people came. Co-workers, people from other areas asking me where the boardroom was, maintenance people, friends of co-workers, even the kids who come by at Christmas for the kids party all drop by the museum. Once they are over the awe of the vastness of collection, each visitor gets a free souvenir--that's right--a shiny nickel! The collection now stands at about 2500 nickels, and about 1000 dimes; all lined up in nice neat rows in my desk. And here I am at home, miles away from work, on vacation, AND I CAN'T POST A PICTURE OF MY COLLECTION!
To answer the question, cestmoi15--I'll buy your dimes and nickels.
posted by BozoBurgerBonanza at 10:08 AM on July 18, 2011 [2 favorites]
in Canada where, as scruss said, Coinstar does not offer any goodies and does maintain that coin handling fee
FWIW for Canadians looking to this thread for coin advice, the St Laurent mall in the east end of Ottawa has a machine that will give you a mall gift certificate for your coins, no fee. There's a drugstore in the mall, it ? may ? still have a supermarket; not a bad deal at all.
posted by kmennie at 10:32 AM on July 18, 2011
FWIW for Canadians looking to this thread for coin advice, the St Laurent mall in the east end of Ottawa has a machine that will give you a mall gift certificate for your coins, no fee. There's a drugstore in the mall, it ? may ? still have a supermarket; not a bad deal at all.
posted by kmennie at 10:32 AM on July 18, 2011
My credit union has a machine in the lobby that's similar to a Coinstar but it's free. I just take the little slip up to the teller and either deposit the money into my account or get cash.
Maybe you can shop around to different banks and find out who has the best coin treatment.
posted by TooFewShoes at 11:17 AM on July 18, 2011
Maybe you can shop around to different banks and find out who has the best coin treatment.
posted by TooFewShoes at 11:17 AM on July 18, 2011
Credit unions are much better about fees. They give me pens and other goodies when I visit, made me a loan to cover a shortfall when I was buying 1 house and selling the other, and helped me track down some finance errors, at no charge. Oh, and my dance group has an account that got charged fees; and they cheerfully removed the fees because the account is for a non-profit group. They have a coin-counting machine - put in coins - money gets credited to account. I really like my credit union.
posted by theora55 at 12:40 PM on July 18, 2011
posted by theora55 at 12:40 PM on July 18, 2011
I take my change to the TD Bank near me all the time and I don't have an account there. They just give you cash. They didn't charge a fee a couple weeks ago. Maybe it varies by the branch.
posted by interplanetjanet at 2:49 PM on July 18, 2011
posted by interplanetjanet at 2:49 PM on July 18, 2011
This thread is closed to new comments.
posted by sockpim at 3:54 AM on July 18, 2011