Most banks no longer have coin machines for customers
The short answer: fewer banks offer coin machines than they used to, and those that do often limit use to account holders only. Major chains like Bank of America, Chase, and Wells Fargo have largely removed coin-counting machines from branches. Some regional and community banks still have them, but availability varies widely by location and account type.
If your bank did have a coin machine, it was usually free for customers with checking or savings accounts. Non-customers typically paid a fee—often 5 to 10 percent of the total value counted. Today, even that option has shrunk as banks have cut back on cash services overall.
The reason is simple: coin machines cost money to maintain, they break down frequently, and fewer people use them as digital payments grow. Banks decided the expense was not worth keeping them running.
Key Takeaways
- Call your bank's branch directly before visiting—do not assume they have a coin machine just because they are a bank.
- Credit unions are more likely than national banks to have coin machines, especially smaller or community-based ones.
- If your bank does not have one, grocery stores with customer service desks, laundromats, and arcades often have coin-counting machines you can pay to use.
- Coin rolls sold at hardware stores or banks let you sort and roll coins yourself for free, then deposit them at any bank branch.
- Some banks will hand-count coins if you bring them in a bag or container, though staff may ask you to do it during off-peak hours.
How to learn about your bank has a coin machine
Call the branch directly and ask. Do not rely on the bank's website or app—they rarely list this detail. When you call, ask specifically: "Do you have a coin-counting machine available for customers?" and "Is there a fee?" Some branches may have removed theirs recently, so the website information could be outdated.
If the branch does have one, ask whether you need an account to use it and whether there are restrictions on how much you can count at once. Some banks limit coin machine use to certain hours or require you to schedule an appointment.
If your branch does not have one, ask if they will hand-count coins for you. Many tellers will do this as a courtesy, especially if the amount is reasonable. Bring your coins in a bag or container so the teller does not have to handle loose change.
Credit unions and regional banks are more likely to have them
Credit unions tend to keep coin machines longer than national banks because they serve smaller, more local communities where cash use is still common. If you belong to a credit union, call your branch and ask. Many will have a machine or offer hand-counting as standard service.
Regional and community banks—especially those in rural areas or smaller towns—are also more likely to maintain coin machines. These banks often prioritize in-person service and cash handling more than large national chains do.
If you do not have an account at a credit union or regional bank, opening one might be worth it if you regularly need to count large amounts of coins. Some credit unions have low or no minimum balance requirements and welcome new members from the community.
Alternatives if your bank does not have a coin machine
Grocery stores with customer service desks often have coin machines. Kroger, Safeway, Albertsons, and other large chains frequently offer them in the front of the store. These machines typically charge a fee—usually 5 to 10 percent of the total value—but they are fast and available during store hours.
Laundromats almost always have coin-counting machines because their customers need to convert bills into quarters and other coins. These machines usually charge a small fee per use or take a percentage. Some laundromats have both a change machine (which charges a fee to convert bills) and a counting machine (which charges a fee to count coins).
Arcades, casinos, and entertainment venues sometimes have coin machines available to the public, though policies vary. Call ahead to ask whether you need to be a customer or member.
Rolling coins yourself and depositing them at the bank
If you have time, the free option is to roll your coins yourself using coin wrappers. These are paper tubes sold at hardware stores, office supply stores, and many banks. A standard set includes wrappers for pennies, nickels, dimes, and quarters—each wrapper holds a specific number of coins and a specific dollar amount.
Once you have rolled your coins, you can deposit them at any bank branch, even if you do not have an account there. Most banks accept rolled coins without a fee. Some branches may ask you to count and verify the amount before depositing, but this is rare.
Rolling coins takes time—a roll of quarters (40 coins, $10) takes a few minutes to wrap by hand. If you have several dollars in coins, set aside an hour or two. But if you are not in a hurry, this is the cheapest option.
What to do with large amounts of coins
If you have a large jar or bag of coins—say, more than $50—a coin machine at a grocery store or laundromat may be faster than rolling them yourself, even with the fee. Calculate whether the fee is worth your time. If a machine charges 10 percent and you have $100 in coins, you pay $10 but save an hour of rolling.
Some banks will hand-count large amounts of coins if you call ahead and schedule a time. Ask to speak with a manager or supervisor. Bring your coins in a secure container and be prepared to wait while they count. This service is free, but the bank may ask you to do it during slow hours so you do not hold up the line.
If you are depositing coins into an account at that bank, hand-counting is usually faster than using a machine because the teller can deposit the coins directly into your account without you having to wait for a receipt.
Frequently Asked Questions
Can I use a coin machine at a bank where I do not have an account?
Most banks no longer allow non-customers to use their coin machines, if they have them at all. Your best option is a grocery store, laundromat, or arcade machine, which charge a fee but are open to anyone. If you want free hand-counting, you may need to open an account at a bank or credit union that offers it.
How much does it cost to use a coin machine?
Fees vary. Grocery store and laundromat machines typically charge 5 to 10 percent of the total value. Some machines charge a flat fee per use instead—usually 25 cents to $1. Banks that still have machines for customers usually charge nothing. Always check the machine's posted fee before using it.
What if I have rolled coins but the bank will not accept them?
Most banks accept rolled coins without question, but some branches may ask you to unroll them so they can verify the count. If a teller refuses rolled coins, ask to speak with a manager. Rolled coins are standard currency and banks are required to accept them. If the branch still refuses, try a different branch or bank.
Do I need to be a customer to deposit coins at a bank?
If you have rolled coins, most banks will accept them for deposit even if you do not have an account—you may just need to open an account to deposit them. If you want to use a coin machine or get hand-counting, you almost always need to be a customer. Check with your local branch about their specific policy.
Is it faster to use a coin machine or roll coins myself?
A coin machine is faster—usually 5 to 10 minutes for any amount. Rolling coins by hand takes longer the more you have—expect 10 to 15 minutes per $50. If you have less than $20 in coins, rolling is probably faster. If you have more than $50, a machine may be worth the fee.