Can you get silver dollars at the bank

Can you get silver dollars at the bank? It’s a question that sparks curiosity among collectors and those simply looking for a tangible piece of history. The allure of these substantial coins, often minted from precious metal, makes their acquisition a fascinating endeavor. This exploration delves into the often-overlooked possibility of finding these historical treasures within the walls of your local financial institution.

Understanding the general policies of commercial banks regarding collectible or older currency is the first step in this quest. The process typically involves inquiring with tellers or managers, and while availability can vary, there are common reasons why a bank might indeed have silver dollars on hand. We’ll uncover the factors that influence a bank’s stock, from collector demand to how they acquire such items, and explore the practical steps you can take to increase your chances of a successful find.

Understanding the Availability of Silver Dollars at Banks

The allure of silver dollars, those hefty discs of history, often sparks a question: can one simply walk into a bank and purchase them? While the glint of silver might be found in a bank’s vault, acquiring these numismatic treasures is not as straightforward as withdrawing cash. Banks, in their primary role as financial institutions, typically operate with policies geared towards modern currency exchange rather than the sale of collectible items.Most commercial banks are not in the business of actively buying or selling collectible coins, including silver dollars.

Their inventory of coins is generally intended for everyday transactions, such as providing change for businesses or individuals. The rarity, historical significance, or numismatic value of older coins is beyond the scope of their standard operations. However, serendipity can sometimes play a role, and certain circumstances might lead to a bank having silver dollars available.

Bank Policies on Collectible Currency

The general policy of most commercial banks regarding the sale of collectible or older currency is one of limited involvement. These institutions are primarily concerned with the circulation of current legal tender. Older or collectible coins, by their nature, often possess a value that far exceeds their face value, and managing such items requires specialized knowledge and appraisal capabilities that most bank tellers and managers do not possess.

Consequently, banks usually do not maintain inventories of silver dollars for sale as collectibles. Their coin stock is typically sourced from recent deposits and is intended for everyday transactional purposes.

Customer Inquiry Process for Silver Dollars

When a customer inquires about purchasing silver dollars at a bank, the typical process involves a direct conversation with a teller or a branch manager. The initial inquiry is usually met with an explanation of the bank’s policy, which often states that they do not sell collectible coins. If, by chance, a bank has recently received a significant number of silver dollars through deposits, they might be willing to sell them to a customer.

However, this is usually on a first-come, first-served basis and often without any guarantee of specific dates, mint marks, or conditions. The bank will likely sell them at face value, if at all, as they are not equipped to appraise their collector value.

Reasons for Bank Availability of Silver Dollars

There are several common reasons why a bank might have silver dollars available for purchase, though these are often incidental rather than intentional.

Customer Deposits: The most frequent reason is that individuals or businesses deposit old coin collections into their accounts. These coins then enter the bank’s general coin supply.
Estate Settlements: Sometimes, banks may be involved in estate settlements where old coin collections are liquidated, and some might end up in the bank’s possession before being dispersed.
Business Transactions: Businesses that deal with older items, such as antique shops or pawn shops, might deposit large quantities of older currency, including silver dollars, into their business accounts.

It is important to note that even in these scenarios, the bank’s primary goal is not to sell these as collectibles, but rather to process them as any other form of currency.

Limitations and Restrictions on Silver Dollar Sales

Banks often place limitations or restrictions on the sale of silver dollars to mitigate potential issues and to adhere to their operational scope. These can include:

Limited Quantity: Banks rarely have a large surplus of silver dollars. Availability is often sporadic and depends entirely on recent deposits.
No Selection: Customers are typically not allowed to “cherry-pick” specific dates, mint marks, or conditions. If available, they are sold as-is, often in mixed condition.
Face Value Sale: Banks usually sell silver dollars at their face value ($1), not at their numismatic or silver melt value, which can be significantly higher.
No Guarantees: There is no guarantee that a bank will have any silver dollars available on any given day.
Customer Identification: For larger transactions, a bank may require identification for record-keeping purposes, especially if the customer is not a regular patron.
Policy Variations: While most banks follow similar policies, individual branch policies can sometimes vary, leading to slightly different experiences.

Factors Influencing Bank Stock of Silver Dollars: Can You Get Silver Dollars At The Bank

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The allure of silver dollars extends far beyond their monetary value; they are tangible pieces of history, coveted by collectors and investors alike. This dual fascination significantly shapes a bank’s decision to maintain a stock of these precious coins, turning a simple transaction into a potential treasure hunt for the discerning customer. The ebb and flow of collector interest and investment demand act as powerful currents, guiding the availability of silver dollars within the vault.Banks, as custodians of currency, often find themselves at the crossroads of everyday commerce and the specialized world of numismatics.

Their decision to hold silver dollars is not merely about fulfilling a transactional need but about responding to a dynamic market influenced by passion, speculation, and a deep appreciation for the past. Understanding these driving forces is key to unlocking the mystery of why some banks might have a hidden trove of these historical coins, while others offer only a fleeting glimpse.

The Role of Coin Collecting and Investor Demand

The vibrant world of coin collecting, known as numismatics, plays a pivotal role in the demand for silver dollars. Enthusiasts actively seek out specific dates, mint marks, and conditions of these coins, driving their value beyond face denomination. This sustained interest means that even as older currency is withdrawn from circulation, a dedicated community continues to seek these historical artifacts.Similarly, investors view silver dollars as a tangible asset, a hedge against inflation, and a store of value.

The intrinsic silver content, coupled with potential appreciation in collector value, makes them an attractive alternative to other investment vehicles. When market sentiment favors precious metals or historical assets, investor demand for silver dollars can surge, prompting banks to acquire and hold them.

“The history held within a silver dollar is as valuable as the silver it contains.”

This sentiment resonates deeply with both collectors and investors, creating a consistent, albeit sometimes fluctuating, demand that banks must acknowledge. The perceived stability and historical significance of silver dollars make them a unique commodity in the financial landscape.

Acquisition of Older Currency by Banks

Banks acquire older currency, including silver dollars, through a variety of channels, often as a natural consequence of their daily operations. When customers deposit cash, particularly from estates, old savings accounts, or during clear-outs, older coins and bills can surface. These items are then processed by the bank.Another significant source is through coin dealers and auction houses. Banks, especially those with a history of handling substantial amounts of cash or those located in areas with active numismatic communities, may partner with specialized dealers.

These dealers can help banks sort, appraise, and potentially purchase collections of older currency that customers might bring in. Furthermore, during routine cash replenishment and distribution with the Federal Reserve or other financial institutions, older currency can be cycled through the system.A bank’s decision to actively seek out and stock silver dollars often depends on its customer base and the expertise of its staff.

Some institutions might have dedicated departments or personnel familiar with numismatics, enabling them to identify and value these coins more effectively.

Availability in Different Financial Institutions

The availability of silver dollars can vary significantly between different types of financial institutions, reflecting their operational scale, customer demographics, and business models. Large national banks, with their vast networks and high transaction volumes, may process a considerable amount of older currency. However, their focus is typically on efficiency and standard transactions, meaning silver dollars might be quickly filtered out and sent to the Federal Reserve or sold to specialized dealers.Local credit unions and smaller community banks, on the other hand, often foster closer relationships with their customers.

This can lead to a more personalized approach to handling customer deposits of older currency. If a credit union has staff members who are knowledgeable about coin collecting or if their membership includes a significant number of collectors, they might be more inclined to hold onto and sell silver dollars directly to their members.

Institution Type	Likelihood of Silver Dollar Stock	Reasons
Large National Banks	Low to Moderate	High transaction volume, focus on efficiency, rapid currency cycling.
Local Credit Unions	Moderate to High	Closer customer relationships, potential for knowledgeable staff/members, personalized service.
Community Banks	Moderate	Similar to credit unions but may vary based on local demand and staff expertise.

Typical Denominations and Series

When one speaks of silver dollars, the most commonly encountered denominations and series are rooted in American history. The classic silver dollar, minted from 1794 to 1935, is what most people envision. These include:

The Flowing Hair Dollar (1794-1795): The very first dollar coin minted in the United States, a highly sought-after collector’s item.
The Draped Bust Dollar (1795-1804): Featuring a portrait of Lady Liberty with flowing hair.
The Gobrecht Dollar (1836-1839): A transitional design.
The Seated Liberty Dollar (1840-1873): A long-running series with Lady Liberty seated on a pedestal.
The Morgan Dollar (1878-1904, 1921): Perhaps the most popular silver dollar among collectors, known for its intricate design by George T. Morgan.
The Peace Dollar (1921-1935): Minted to commemorate the end of World War I, featuring a radiant Lady Liberty.

While banks are unlikely to stock rarer, high-grade collector coins, they might occasionally have circulated Morgan or Peace dollars, often mixed in with general cash deposits. The specific series and condition encountered will largely depend on the source of the coins and the bank’s policies regarding older currency.

Practical Steps and Considerations for Acquiring Silver Dollars

Embarking on the quest for silver dollars at your local bank might feel like searching for buried treasure, but with a little preparation and a clear strategy, the journey can be remarkably smooth. This section will guide you through the essential steps, from making that initial inquiry to understanding the potential value of your finds, transforming a potentially daunting task into an exciting treasure hunt.Navigating the world of coin acquisition from a financial institution requires a blend of courtesy, informed questioning, and a keen eye for detail.

By understanding the process and knowing what to ask, you significantly increase your chances of walking away with those coveted silver dollars.

Inquiring About and Purchasing Silver Dollars

The initial step in securing silver dollars from a bank involves a direct and polite inquiry. It’s crucial to approach the bank staff with respect for their time and established procedures. A well-timed question can open doors to potential acquisitions, especially if the bank has a policy or a habit of holding these collectible coins.Here’s a step-by-step guide to help you navigate this process:

Visit or Call Your Bank: Begin by contacting the bank where you have an account, as they may be more inclined to assist you. If you don’t have an account, you can still inquire, but success might be more variable.
Speak to a Teller or Customer Service Representative: When you visit in person or call, ask to speak with a teller or a customer service representative. Clearly state your interest in acquiring silver dollars.
Be Specific About Your Request: Mention that you are interested in purchasing “silver dollars” or “older U.S. dollar coins.” If you have specific dates or mint marks in mind, you can mention them, but be prepared for limited availability.
Inquire About Availability: Ask if they currently have any silver dollars available for purchase. Banks often receive these coins through customer deposits, and their stock can fluctuate daily.
Understand Purchase Procedures: If they do have silver dollars, ask about the bank’s procedure for purchasing them. This might involve a simple transaction at the counter or a requirement to speak with a branch manager for larger quantities.
Confirm Pricing: Clarify the price per coin. Banks typically sell them at face value or a slight premium, depending on their policy and the perceived numismatic value.
Be Patient and Polite: If they don’t have any available on your first visit, thank them for their time and ask if you could be notified if any come in. A positive and persistent approach can yield results over time.

Essential Questions for Bank Staff

To maximize your chances of a successful acquisition and to understand the bank’s perspective, it’s vital to ask the right questions. These inquiries will help you gauge availability, understand pricing, and potentially build a good rapport with the bank staff, making future requests easier.Here are key questions you should be prepared to ask:

“Do you currently have any silver dollars available for purchase?”
“Are these coins typically available, or is this a rare occurrence?”
“What is the price per silver dollar?”
“Are there any limits on how many silver dollars I can purchase at one time?”
“Do you accept specific dates or mint marks for purchase, or is it first-come, first-served?”
“Could I be added to a notification list if silver dollars become available?”
“Are there specific days or times when coins are more likely to be processed or available?”

Hypothetical Bank Inquiry Template

When you approach the bank, having a clear and concise statement of your needs can streamline the interaction. This template can be adapted for in-person visits or phone calls, ensuring you convey all necessary information efficiently. To: [Bank Teller Name/Branch Manager] From: [Your Name] Date: [Current Date] Subject: Inquiry Regarding Purchase of Silver DollarsDear [Bank Teller Name/Branch Manager],I am writing to inquire about the possibility of purchasing U.S.

Absolutely, you can inquire about silver dollars at the bank! Just as you’d master the art of managing your finances, understanding how to do bank reconciliation is crucial for financial clarity. So yes, explore those coin possibilities, knowing your accounts are in order.

silver dollars from your branch. I understand that banks sometimes receive these older coins through customer deposits.My interest is in acquiring [mention if you have specific dates or mint marks in mind, e.g., “Morgan dollars” or “Peace dollars,” or simply “any available silver dollars”].Could you please let me know if you currently have any silver dollars in stock for purchase?

If so, I would be grateful to know the available quantity and the price per coin. I am also interested in understanding your bank’s general policy regarding the sale of such collectible coins.Thank you for your time and assistance. I look forward to your response.Sincerely,[Your Name][Your Account Number, if applicable][Your Phone Number][Your Email Address]

Researching Potential Silver Dollar Values, Can you get silver dollars at the bank

Before you even step into a bank, a little research into the potential value of silver dollars can equip you with a crucial advantage. Understanding what makes a silver dollar valuable—beyond its silver content—will help you assess potential purchases and avoid overpaying. The intrinsic value of the silver itself is a baseline, but numismatic (collector) value can significantly increase a coin’s worth.The value of a silver dollar is influenced by several key factors:

Silver Content: Most U.S. silver dollars contain approximately 0.77 troy ounces of pure silver. The melt value is a fundamental starting point for valuation. You can find the current spot price of silver online.
Date and Mint Mark: The year the coin was minted and the mint mark (indicating the location of the mint, e.g., “S” for San Francisco, “O” for New Orleans, “CC” for Carson City) significantly impact rarity and collector demand. Key dates and mint marks are often more valuable.
Condition (Grade): The physical condition of the coin, known as its grade, is paramount. Coins are graded on a scale from poor to mint state. Higher-grade coins are considerably more valuable. Numismatic grading services provide detailed explanations of these scales.
Rarity: The mintage figures (how many coins were produced) play a role. Coins with lower mintage numbers are generally rarer and more sought after.
Demand: The current market demand from collectors and investors for specific types of silver dollars also drives prices.

To research values, you can utilize several reliable resources:

“Online coin price guides, auction results from reputable dealers, and numismatic publications offer valuable insights into the market value of various silver dollars. Familiarize yourself with the common dates and mint marks for series like the Morgan Dollar (1878-1921) and the Peace Dollar (1921-1935), as these are the most frequently encountered by the general public.”

For instance, a common circulated Morgan dollar might be worth just above its silver melt value, perhaps $20-$30 depending on silver prices. However, a rare date in uncirculated condition, like a 1893-S Morgan dollar, can fetch thousands or even tens of thousands of dollars at auction. Similarly, a circulated Peace dollar might be in the $20-$30 range, while a pristine uncirculated example of a scarcer issue could be worth several hundred dollars.

By checking recent sales data for coins of similar dates, mint marks, and conditions, you can form a reasonable expectation of value before making any purchases.

Alternatives and Complementary Methods for Obtaining Silver Dollars

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While the allure of walking into your local bank and walking out with a handful of gleaming silver dollars is a tempting prospect, the reality often involves a bit more digging. Fortunately, the world of numismatics offers a rich tapestry of alternative avenues for those seeking these tangible pieces of history. When direct bank acquisition proves elusive, a hunter’s spirit can lead to rewarding discoveries through other channels.The pursuit of silver dollars can be likened to a treasure hunt, with each method offering its own unique blend of challenges and triumphs.

From the seasoned expertise of coin dealers to the thrilling uncertainty of sifting through everyday change, there are pathways to suit every collector’s ambition and patience. Understanding these alternatives not only broadens your acquisition strategies but also deepens your appreciation for the coin collecting community.

Acquiring Silver Dollars from Coin Dealers

For many, coin dealers represent the most direct and reliable route to acquiring specific silver dollars. These professionals are the gatekeepers of numismatic inventory, boasting a curated selection that ranges from common dates to rare rarities. Their expertise is invaluable, offering guidance on authenticity, condition, and market value, which can save novice collectors from costly mistakes.The process of buying from a coin dealer is typically straightforward.

You can visit their physical store, browse their online inventory, or attend coin shows. Dealers will often display their wares with clear pricing, or you can engage in negotiation, especially for higher-value items. It’s wise to research a dealer’s reputation beforehand and to be knowledgeable about the coins you are interested in to ensure a fair transaction.

Pros:

Access to a wide variety of silver dollars, including specific dates, mint marks, and grades.
Expert knowledge and authentication services provided by the dealer.
Opportunity to inspect coins in person before purchasing.
Potential for finding rarer or more specialized coins not readily available elsewhere.

Cons:

Premiums above the silver melt value are common, reflecting the dealer’s markup and the coin’s numismatic value.
The cost can be significantly higher than face value or melt value.
Requires diligence to find reputable dealers and avoid overpaying.

The Thrill of Coin Roll Hunting

Coin roll hunting, often affectionately termed “CRH,” is a method that transforms the mundane act of handling change into an exciting adventure. This practice involves purchasing rolls of coins from banks and meticulously searching through them for silver dollars. The thrill lies in the possibility of discovering a silver dollar hidden amongst common clad currency, a true needle-in-a-haystack scenario.The process begins with obtaining coin rolls, typically from a bank.

You then carefully unroll each coin, examining it for the tell-tale signs of silver. This might involve looking for the distinct color, weight, or specific mint marks associated with silver dollars. Once a potential silver dollar is found, it’s set aside. The spent rolls can then be returned to the bank.

Coin roll hunting offers a unique blend of anticipation and discovery, turning everyday currency into a potential treasure trove.

Pros:

Potentially very low cost, as you are essentially paying face value for the coins.
The excitement of the hunt and the possibility of a significant find.
An engaging and educational hobby that teaches coin identification.

Cons:

Extremely low success rate; silver dollars are rare in circulation.
Can be very time-consuming and may yield little to no silver.
Banks may limit the number of coin rolls available or charge a fee for them.
Requires patience and persistence, as significant finds are infrequent.

A Comparative Look at Acquisition Methods

Navigating the landscape of silver dollar acquisition requires understanding the distinct advantages and disadvantages of each approach. While direct bank purchases offer convenience, their limited stock often necessitates exploring other avenues. Coin dealers provide a broad selection and expert guidance but at a premium. Coin roll hunting, while potentially the cheapest, is a game of chance with a low probability of success.The following table provides a clear comparison to aid in your decision-making process, highlighting the typical availability and key characteristics of each method.

Method	Pros	Cons	Typical Availability
Direct Bank Purchase	Convenience, potential for face value	Limited stock, may require special orders	Variable
Coin Dealers	Wider selection, expert knowledge	Higher premiums, potential for overpayment	High
Coin Roll Hunting	Exciting discovery, potential for low cost	Low success rate, time-consuming	Low

Identifying Genuine Silver Dollars and Their Value

The allure of silver dollars extends beyond their metallic content; it lies in their history, their artistry, and the potential for them to be more than just a coin. For the discerning collector or the curious individual, discerning a genuine silver dollar from a counterfeit or a coin of lesser intrinsic value is a crucial first step in appreciating their worth.

This involves a keen eye for detail, an understanding of historical context, and a respect for the craftsmanship of bygone eras.Genuine silver dollars are more than just pieces of metal; they are tangible links to the past, each bearing the marks of its origin and the stories it could tell. Their authenticity is confirmed by a combination of physical characteristics, specific mint marks, and the dates they were struck.

Understanding these elements is key to unlocking their true value, which can range from the melt value of the silver to significant premiums for rare and well-preserved specimens.

Physical Characteristics of Genuine Silver Dollars

The tactile and visual cues of a genuine silver dollar offer the first line of defense against imitation. The weight and feel of the coin are paramount, as silver possesses a distinct density. A genuine silver dollar will feel substantial in your hand, a heft that lesser metals cannot replicate. The sound it makes when gently tapped against another coin is also a characteristic; silver produces a clear, ringing tone, unlike the dull thud of base metals.

The surface of a true silver dollar will exhibit a lustrous sheen, often developing a pleasing patina over time, a warm glow that speaks of its age and composition.

Mint Marks and Dates to Look For

The story of a silver dollar is etched into its very surface, with mint marks and dates serving as vital clues to its identity and potential value. These tiny inscriptions, often found on the reverse side of the coin, indicate where and when the coin was produced. For instance, coins bearing the mint marks “CC” for Carson City, “S” for San Francisco, or “O” for New Orleans are often more sought after due to their historical significance and lower mintage figures compared to coins struck at the Philadelphia mint (which typically has no mint mark).Certain dates, particularly those associated with lower production runs or significant historical events, can dramatically increase a silver dollar’s value.

For example, the 1873 “Seated Liberty” dollar with a “CC” mint mark is a highly prized rarity. Similarly, key dates within the Morgan Dollar series, such as 1881-CC, 1885-CC, and 1893-S, are highly collectible and command significant premiums.

Common Silver Dollar Types and Their Historical Significance

The history of the United States is reflected in its silver dollar coinage, with several iconic series standing out for their design, rarity, and the eras they represent. Each type tells a part of the American story, from westward expansion to periods of economic boom and bust.

Seated Liberty Dollars (1836-1873): These elegant coins feature Lady Liberty seated on a throne, holding a shield and a scroll. Their production spanned a period of significant change in the United States, and some mint marks and dates within this series are exceptionally rare, making them highly desirable among collectors.
Trade Dollars (1873-1885): Originally intended for trade with Asia, these coins were eventually demonetized in the U.S. but remain popular with collectors. Their slightly larger size and distinctive design set them apart.
Morgan Dollars (1878-1904, 1921): Arguably the most popular and widely collected U.S. silver dollar, the Morgan Dollar, with its depiction of Lady Liberty designed by George T. Morgan, is a symbol of the American West. Its long production run and variety of mint marks and dates offer a vast collecting landscape.
Peace Dollars (1921-1935): Minted to commemorate the end of World War I, the Peace Dollar features a radiant Lady Liberty on the obverse and a proud eagle grasping a olive branch on the reverse. These coins are cherished for their artistic merit and their message of hope and tranquility.

Assessing the Condition and Potential Grading of a Silver Dollar

The condition of a silver dollar is a primary determinant of its value, often more so than its rarity alone. A coin’s grade, a standardized assessment of its wear and preservation, can transform a common piece of silver into a valuable numismatic treasure. Understanding how to assess this condition is a skill honed through practice and education.When evaluating a silver dollar, several key areas demand attention:

Wear: Examine the highest points of the design for signs of wear. On a Morgan Dollar, for instance, this would include the hair curls, the eagle’s feathers, and the lettering. The less wear, the higher the grade.
Luster: The original mint luster, the frosty or satiny appearance of a coin when it left the mint, is a crucial indicator of preservation. A coin that retains much of its original luster is generally more valuable.
Contact Marks: Look for nicks, scratches, or bag marks. While some minor marks are expected, excessive or deep marks can significantly detract from a coin’s grade.
Color and Patina: The natural toning or patina of a silver coin can be attractive and even add value if it is even and attractive. However, artificial toning or cleaning will drastically reduce a coin’s worth.

Professional grading services, such as the Professional Coin Grading Service (PCGS) and the Numismatic Guaranty Company (NGC), provide impartial assessments of a coin’s condition and authenticity, assigning a numerical grade from 1 (poor) to 70 (gem brilliant uncirculated). While self-assessment is a valuable starting point, a professional grade can provide a definitive valuation and enhance the coin’s marketability. For instance, a common Morgan Dollar in a grade of MS-65 (Mint State 65) can be worth hundreds of dollars, while the same coin in a lower grade might only be valued for its silver content.

“The true value of a silver dollar is a symphony of its silver, its history, and the silent story told by its condition.”

Final Summary

Ultimately, the pursuit of silver dollars at your bank is a journey that blends a bit of detective work with an appreciation for numismatic history. While not every branch will be a treasure trove, understanding the nuances of availability, acquisition, and even how to identify genuine pieces can significantly enhance your chances. Whether you strike gold (or rather, silver) directly or explore alternative routes, the quest for these iconic coins is a rewarding one, connecting you to a tangible past.

FAQ Summary

Can I just walk into any bank and ask for silver dollars?

While you can certainly ask, availability is not guaranteed. It’s best to call ahead or visit during less busy hours to speak with a manager or experienced teller who might be more knowledgeable about coin inventory.

Do banks sell silver dollars at face value?

Sometimes, if they are simply circulating currency that has come in, you might get them at face value. However, if the bank has them as a collectible item, the price will likely reflect their market value, which is higher than face value.

What if the bank doesn’t have any silver dollars?

Don’t be discouraged. You can inquire if they have a process for ordering them, or if they can notify you if any come in. Many banks also have relationships with coin dealers and might be able to offer a referral.

Are there specific types of silver dollars banks are more likely to have?

Banks are more likely to have common circulated silver dollars like Morgan dollars or Peace dollars if they acquire them through regular deposits. Rare or high-grade silver dollars are less common in typical bank inventories.

Can I use a coin roll hunting strategy at a bank?

Some people try to purchase rolls of coins from banks with the hope of finding silver dollars. However, banks are increasingly aware of this practice, and it’s not always permitted or successful.