Cash without a bank

December 28, 2015 4:40 PM

I need a decent amount of cash, but I don't live near my bank.

I am traveling and will need to take post-2006, clean, uncreased $100 bills to exchange. I expect to take somewhere between $800 and 1200. Normally, I would just go to a bank -- but there are no Citibanks in Atlanta. Advise?

(I cannot use an ATM here because they dispense $20s. ATMs are not available at my destination and I need to carry cash.)

posted by quadrilaterals to Work & Money (9 answers total)

Best answer: You will probably have to pay some kind of fee since you are not a customer, but I imagine you can do this at the counter of any bank with your debit card.
posted by Lyn Never at 4:41 PM on December 28, 2015

Best answer: can you not change denominations at banks? if so then you could take the money out of an atm (if it's within your limit) then ask a bank to change it to $100 notes.
posted by andrewcooke at 4:44 PM on December 28, 2015 [3 favorites]

Best answer: You can do this at a Chase teller via your debit card with no transaction fee (on their end). It's a good way to get larger amounts of cash when you have an internet bank, too.
posted by hwyengr at 4:51 PM on December 28, 2015 [1 favorite]

Best answer: withdraw the twenties from an ATM, then take to a bank to exchange for hundreds.

Also Publix has a thing with Citi, so you can use their Moneypass ATMs to withdraw cash, and get the denominations you need.
posted by Ruthless Bunny at 5:01 PM on December 28, 2015

Response by poster: Y'all are so smart. Thank you!
posted by quadrilaterals at 5:19 PM on December 28, 2015

Ages ago, when I wanted to do this, my bank suggested I have another local bank run a cash advance on my debit card. Neither one charged me fees, but that was ten years ago.
posted by ktkt at 5:21 PM on December 28, 2015

Your local banks may vary, but some Regions locations will only change bills (especially smaller denominations for larger ones) for account holders.
posted by landunderwave at 8:27 PM on December 28, 2015

Are you travelling near a casino? ATMs in casinos like to spit out 100s (although you can't guarantee post-2006 bills, nor can you make sure you won't bust your daily ATM limit this way)
posted by JoeZydeco at 8:34 PM on December 28, 2015

FWIW, my daily ATM limit with Wells Fargo is only $300 - so plan ahead if you need to do withdrawls over a few days.
posted by COD at 5:02 AM on December 29, 2015