Can a bank refuse you if you request specific denominations?

I went to my local branch bank in Minneapolis to deposit a check. On my way
to the bank I got the idea to buy a box of quarters. I was not going to
request a specific box; rather just take what they give me and see what I
find. Maybe I will find some uncirculated state quarters or if I am real
lucky old silver quarters.

I deposited my paycheck and asked to buy a box of silver quarters.

The teller blinked as asked, "A box?"

"Yes", I said.

"$100 dollars?", asked the teller.

"Yes.", I answered.

Then to my utter amazement the teller asked, "What do you want them for?"

I said, "Excuse me?"

She rephrased the question. "Are you a business?"

"No. ", I answered. "I am a collector."

She then went to talk to someone who was in the vault. When the teller came
back she said, "I'm sorry we can only sell a box of quarters if you are a
business."

I asked her which branch I could go to in order to buy a box of quarters.

"I don't think any TCF branches sell boxes of quarters to non-businesses"

"Really?" I asked with animated skepticism in my voice. I gave the girl a
sideways knowing glance.

The teller apologized and said there was not a manager working on Saturday.
I could possibly buy some if I talked to the manager.

I left the bank in disbelief.

Was this totally wrong or what?



--
CIA DEA DIA FBI KGB NSA WMD TLA

"PCameron" wrote in message
...
I went to my local branch bank in Minneapolis to deposit a check. On my
way
to the bank I got the idea to buy a box of quarters. I was not going to
request a specific box; rather just take what they give me and see what I
find. Maybe I will find some uncirculated state quarters or if I am real
lucky old silver quarters.

I deposited my paycheck and asked to buy a box of silver quarters.

The teller blinked as asked, "A box?"

"Yes", I said.

"$100 dollars?", asked the teller.

"Yes.", I answered.

Then to my utter amazement the teller asked, "What do you want them for?"

I said, "Excuse me?"

She rephrased the question. "Are you a business?"

"No. ", I answered. "I am a collector."

She then went to talk to someone who was in the vault. When the teller
came
back she said, "I'm sorry we can only sell a box of quarters if you are a
business."

I asked her which branch I could go to in order to buy a box of quarters.

"I don't think any TCF branches sell boxes of quarters to non-businesses"

"Really?" I asked with animated skepticism in my voice. I gave the girl a
sideways knowing glance.

The teller apologized and said there was not a manager working on
Saturday.
I could possibly buy some if I talked to the manager.

I left the bank in disbelief.

Was this totally wrong or what?

That does sound funny, but can you imagine if every person that wanted to
search rolls asked to buy a box of whatever denomination they wanted?
Businesses do get priority, but she shouldn't have turned you away like
that. Just my $0.02 of course.

Mark




--
CIA DEA DIA FBI KGB NSA WMD TLA

The lady teller didn't want to carry the box of quarters from the vault.
Some women are very lazy by nature. Ed

"Andrew W Applegarth" wrote in message
.. .
"PCameron" wrote in
:


I deposited my paycheck and asked to buy a box of silver quarters.


Talk about wishful thinking...


Oops. I asked to buy a box of quarters. I did not say silver. I only
typed it. :-)

"PCameron" wrote in
:


I deposited my paycheck and asked to buy a box of silver quarters.


Talk about wishful thinking...

- Andrew W Applegarth

The teller apologized and said there was not a manager working on Saturday.
I could possibly buy some if I talked to the manager.

I left the bank in disbelief.

Was this totally wrong or what?


Of course this was totally wrong. Unfortunately even bank employees are not
aware of the law. They sometimes take it upon themselves to make decisions
which they should not make. If you had told the employee that you would return
on Monday and report to the manager that she had not allowed you to have $100
in quarters, my guess is she would have changed her position "on the spot" and
you would have had what you came in for. Steve

On 29 May 2004 18:37:32 GMT, (SJCOHEN730) wrote:


Of course this was totally wrong. Unfortunately even bank employees are not
aware of the law. They sometimes take it upon themselves to make decisions
which they should not make. If you had told the employee that you would return
on Monday and report to the manager that she had not allowed you to have $100
in quarters, my guess is she would have changed her position "on the spot" and
you would have had what you came in for. Steve

Maybe, maybe not. Not all banks are required to provide this service.
It is in the National Bank Charter that they must provide change
service, at least to the extent of what they have on hand.

A state-chartered bank doesn't follow those rules and relies on the
rules of the specific state they are located in. Most states probably
don't even address the issue in the charters, so no requirement. Some
others may allow the bank to decline the requirement by contract with
the customer, i.e. the small print you agree to when you open an
account. At this point it is strictly a customer service issue.

BLReed

To email me click he http://tinyurl.com/nd66
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On a saturday I can see her saying no since a lot of business will want
quaters for the weekend this being a holiday makes it even worse since most
business will stock up on them. Try going back during the week I'll bet
they give them to you....

"PCameron" wrote in message
...
I went to my local branch bank in Minneapolis to deposit a check. On my
way
to the bank I got the idea to buy a box of quarters. I was not going to
request a specific box; rather just take what they give me and see what I
find. Maybe I will find some uncirculated state quarters or if I am real
lucky old silver quarters.

I deposited my paycheck and asked to buy a box of silver quarters.

The teller blinked as asked, "A box?"

"Yes", I said.

"$100 dollars?", asked the teller.

"Yes.", I answered.

Then to my utter amazement the teller asked, "What do you want them for?"

I said, "Excuse me?"

She rephrased the question. "Are you a business?"

"No. ", I answered. "I am a collector."

She then went to talk to someone who was in the vault. When the teller
came
back she said, "I'm sorry we can only sell a box of quarters if you are a
business."

I asked her which branch I could go to in order to buy a box of quarters.

"I don't think any TCF branches sell boxes of quarters to non-businesses"

"Really?" I asked with animated skepticism in my voice. I gave the girl a
sideways knowing glance.

The teller apologized and said there was not a manager working on
Saturday.
I could possibly buy some if I talked to the manager.

I left the bank in disbelief.

Was this totally wrong or what?



--
CIA DEA DIA FBI KGB NSA WMD TLA

In article ,
(Edward McGrath) wrote:

The lady teller didn't want to carry the box of quarters from the vault.
Some women are very lazy by nature. Ed


Will someone please shoot this person?

Scot Kamins
--
"Speak your truth, even as your voice quakes."

"Crow T Robot" wrote:

On a saturday I can see her saying no since a lot of business will want
quaters for the weekend this being a holiday makes it even worse since most
business will stock up on them. Try going back during the week I'll bet
they give them to you....

"PCameron" wrote in message
...
I went to my local branch bank in Minneapolis to deposit a check. On my
way
to the bank I got the idea to buy a box of quarters. I was not going to
request a specific box; rather just take what they give me and see what I
find. Maybe I will find some uncirculated state quarters or if I am real
lucky old silver quarters.

I deposited my paycheck and asked to buy a box of silver quarters.

The teller blinked as asked, "A box?"

"Yes", I said.

"$100 dollars?", asked the teller.

"Yes.", I answered.

Then to my utter amazement the teller asked, "What do you want them for?"

I said, "Excuse me?"

She rephrased the question. "Are you a business?"

"No. ", I answered. "I am a collector."

She then went to talk to someone who was in the vault. When the teller
came
back she said, "I'm sorry we can only sell a box of quarters if you are a
business."

I asked her which branch I could go to in order to buy a box of quarters.

"I don't think any TCF branches sell boxes of quarters to non-businesses"

"Really?" I asked with animated skepticism in my voice. I gave the girl a
sideways knowing glance.

The teller apologized and said there was not a manager working on
Saturday.
I could possibly buy some if I talked to the manager.

I left the bank in disbelief.

Was this totally wrong or what?


One thing that works for me is I ask for rolls and they say how many
and I say, well, whatever you can spare up to 100 dollars worth. I
usually get what I want. When you ask for a box they are probably
figuring you want a box of rolls and aren't willing to take the 10
loose rolls that they could give you.
It's all in how you ask the question a lot of times.
Cliff