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A common practice for many of us on a debt-free journey and lifestyle is to pay for items with cash. One side effect of using cash is the vast amount of change that we collect and later store in containers on our dresser.
Each day, our economies are getting closer to a cashless society. For those of us who prefer cash, this can cause problems when we make purchases and when we want to turn our coins back into cash.

Turning coins into cash is getting more difficult each day and in some instances, it can be very costly. Due to this, I have compiled a list of companies and services you can still use to turn your dusty old coins back into cold hard cash.

1Option #1 – Cash Coins For Free [At Your Bank]

3Option #3 – A Coin Exchange Machine Near You (Coinstar)

Option #1 – Cash Coins For Free [At Your Bank]

In the past, you could bring your coins into your bank and they would count them for you with a machine. It was a free service most banks offered as a service to their customers. However, the machines were expensive to maintain and there were several issues with their accuracy.

TD Bank was recently sued because their coin counting machines were so off, some of them were shorting customers up to $50.00!

Due to this, most banks no longer offer coin-counting services and expect you to bring your coins in pre-rolled. Every bank I contacted was still willing to give you the paper rolls for you to roll your own coins but they did not have a service to do this for me. The majority of the banks referred me to an automated coin-counting kiosk at another location

If you walk up to the teller with a bag or jar full of coins, expect to be turned away.

Most of the large banks do not offer automated coin exchange kiosks in their lobbies anymore. However, credit unions still commonly do.

The Best Option For The Most Money

If you take the time and pre-roll your coins and bring them to your local bank, you can guarantee you are getting all of your money. You do not subject your hard-earned change to the possible inaccuracy of a coin counting machine.

However, depending on the number of coins you have, it may not make sense for you to spend a large amount of time sorting through these coins. Your time is worth a lot more than you may give yourself credit.

This was a hard lesson I learned as I progressed through my 20s. Check out my related article, Lessons I Learned About The Value Of Time before you spend hours rolling your coins.

Many banks will not accept pre-rolled coins if you are not a member. Always call ahead of time to see if they will accept coins from non members.

If you still are in the mood to roll your own coins and don’t know how, here is an instructional video.

Option #2 – Most Credit Unions Exchange Coins For Cash For Free

While most large banks do not waive the coin exchange fee charged by the Coinstar kiosks, many credit unions do! Unfortunately, to take advantage of this service, you usually are required to be a member of the credit union to have the coin fee waived.

If you are a member of a credit union, give them a call or check their website to see if they waive fees if you bring in your change.

I personally am a member of Arizona Federal Credit Union and I have taken in jars of change. I dump my change into the Coinstar machine and then walk the receipt over to the teller.

From there the teller will give me my cash and waive the fee. This is also a great alternative to rolling your own coins.

Again, double check with your credit union to see if they offer this service.

Option #3 – A Coin Exchange Machine Near You (Coinstar)

Coin exchange machines are automated kiosks that will count all of your coins and provide you with either cash or gift cards. The most popular coin counting machine in the United States is Coinstar.

An Explanation Of The Coinstar Exchange

The Coinstar kiosk is a vertical machine that is usually inside bank lobbies, grocery stores, malls, and other areas where people buy and sell goods. It is an extremely convenient machine that lets you pour all of your loose change in the top and it will count it automatically.

Can I Exchange Amino Coins For Real Money Without

In a short amount of time, it will print out a receipt for you and either provide you with cash or a gift card.

The Heavy Fees Of Turning Coins Into Cash

While convenient, Coinstar is by no means a “cheap” way to count your coins. If you choose to use this machine, it will charge you 11.9% of your total in fees! If you were to bring in $100.00 worth of coins, you would only take home $88.10 in cash. What a rip off!

I would never suggest taking such a big hit in fees even though it does save you a ton of time. Luckily, Coinstar understands that those of us who can do math would never agree to these fees so they have another option.

Coinstar now offers eGift cards to turn your coins into gift cards without any fees.

Avoid The Fees With Coinstar Giftcards

Amazon / Minimum $5.00 – Maximum $1,000
Applebees / Minimum $5.00 – Maximum $500.00
GameStop / Minimum $5.00 – Maximum $500.00
Southwest Airlines / Minimum $25.00 – Maximum $500.00
Starbucks / Minimum $5.00 – Maximum $500.00
The Home Depot / Minimum $5.00 – Maximum $2,000.00

If you are able to get a $2,000.00 gift ca