After putting my dresser coins in a bag along with coins from various other locations around the house, I had quite a collection. I planned to take it to my bank because they have recently put a change sorter in the lobby for members to use. They only charge 3%. That’s much better than the Coinstar machines I’ve seen in the grocery stores. They charge 8.9%! Criminy! Why doesn’t anybody do this for free?
Anyway, I left school in a hurry yesterday to get to the bank before it closed. I had kind of a fun time running my coins through. The biggest problem with my bank’s machine is that there is no place to retrieve non-change items that get mixed in with your coins. I saw a button swirling around inside the counter, but it was behind glass. And when the counter was finished, the button vanished. What other treasures might I have lost?
I was shocked with the final total. It was a nice chunk of change! It will all go into the cat fund.
3%!! If you banked at Centier, it wouldn’t cost you a thing! And you’d get back your treasures that are mixed in with the coin. Of course, you wouldn’t get to do it yourself because our machines are behind the teller line, but it’d be free!
Yep, lots of banks out there… I’ve never heard of charging where you have an account.
If I didn’t have a home equity loan with this bank, I would have left them a while back, but I feel entangled. Can I not have an account there but still have a loan?
It’s a credit union. Does that complicate things?
No, you can’t have a loan at a credit union without an account. You have to have a base account to be a member. But you could move everything else elsewhere.
Sincerely,
Your Banking & Credit Union Expert
Yeah, but you can leave your $100 there (or whatever the minimum is) and move any other transactions to another institution.
Would another possiblility be to get a new loan at a new bank and pay off the old one and close out my account?
Yes, and a new bank would love to get your loan!! Shop around. Often banks have specials (espeically now) that will pay settlement fees & charge no points.
Note: If your mortgage is at the CU, you would still have to keep an account open with them.
(this info. posted so it’s in the archives)
I love coins. They are so much more satisfying than dollars. When I was a kid I had a purple Crown Royal (if that’s what it was) bag that I would fill with treasure! Any silver coin was immediately exchanged for pennies so I could have LOTS of them. You have a whole tote bag full of coins! Think how many pennies that could be!!
[insert obligatory quarter for scale comment here]
…but Brad DID include the quarter for scale – right there on the top of his open tote bag. See it?
[I know...I know...sorry, I just couldn't help myself. Crawling away now....]
Obligatory quarter for scale comment does not have to be a request for same.
Wha?
And you’re not going to tell us the total? Jerk.
I’ll be the first to take a guess even if Brad doesn’t tell how much. Based upon the change I can actually see and the approximate size of the bag: $212.34
Higher.
$252.78
Lower.
And you can keep your guesses to whole dollar amounts because I don’t remember the cents.
$238
Lower.
$232.00
Lower.
$228
Lower.
$222. (coins)
Various other locations? That’s ALOT of change to be just laying around in various locations. Is your whole house just sprinkled with coins?
How is the cat fund going? 1/2 way there … more?
Higher.
I’m not quite halfway there. Actually, I didn’t discuss money with this breeder. Her prices aren’t posted. It didn’t seem proper to discuss money because there was a couple visiting their newly born kitten while I was there.
$225. ?
Bingo.
Do I win something?
You won $225.00 playing Bingo?! Awesome!
I have got to get into the mutant cat racket.
When you die, will they find money wrapped in foil and stashed in unusual places?
In case anyone questions your masuclinity, sir, rest assured of this: women would not have left quite this much loose change collect ANYwhere. We’d've SPENT it by now, by cracky!!
*sigh… I was trapped in meetings all day and couldn’t get in on the guessing. I miss all the fun.
But you’re a banker, right? What interest could he gain by investing this in a non-negotiable, knock-in option,fixed-rate, high-yield no-load fund?
(I went a banking glossary for all them big words.)
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