Bank of America will take rolled coins, but only at certain locations and under specific conditions
Bank of America accepts rolled coins from customers who have accounts at the bank. However, not every branch handles coin deposits the same way. Some branches have coin-counting machines and will accept rolls you've prepared yourself. Others ask you to use their machines or bring coins in loose. The fastest way to find out what your specific branch offers is to call ahead — policies vary by location, and some branches have stopped offering coin services altogether.
If you're a Bank of America customer, your branch can tell you in one phone call whether they accept rolled coins, whether they charge a fee, and what their process is. If you're not a customer, most branches will not accept coin deposits from non-account holders, though some will direct you to a coin-counting service in your area.
Key Takeaways
- Bank of America branches accept rolled coins from account holders, but the process and fees vary by location.
- Some branches have coin machines you can use yourself; others require you to bring coins loose or pre-rolled in their specific wrappers.
- Calling your branch before you go saves a trip — many locations have changed their coin policies in recent years.
- Non-account holders typically cannot deposit coins at Bank of America branches.
What happens when you bring rolled coins to a Bank of America branch
When you arrive with rolled coins, a teller will usually count them to verify the amount matches what you've declared on the wrapper. If the count is correct, they deposit the coins into your account. If the count is off — either short or over — they'll let you know and adjust the deposit amount accordingly.
Some branches use a coin-counting machine that you feed the coins into yourself, which prints a receipt you take to a teller. This method is faster and removes the guesswork about whether your rolls are accurate. Other branches prefer you to bring coins loose so they can run them through their machine. Ask your branch which method they prefer before you prepare your coins.
Fees and limits on coin deposits
Bank of America does not charge a standard fee for coin deposits from account holders at most branches. However, some locations may charge a small fee if you bring in a very large quantity of coins or if the coins are not properly rolled. The fee, if one applies, is usually a flat amount rather than a percentage of the deposit.
There is no stated maximum amount of coins you can deposit in a single transaction, but branches may ask you to spread very large deposits across multiple visits if they don't have the capacity to process them all at once. Call your branch to ask about their limits before you bring in a large coin collection.
How to prepare coins before you go to the bank
If your branch accepts pre-rolled coins, use standard coin wrappers available at most grocery stores, pharmacies, and office supply stores. The standard amounts are 50 pennies, 40 nickels, 25 dimes, and 20 quarters per roll. Make sure each roll is tightly wrapped so coins don't spill out during handling.
Count your coins carefully before you wrap them. Tellers will recount, and if your total is off, the deposit amount will be corrected — which means you may end up depositing less than you thought. Some people prefer to let the branch count loose coins instead, which takes longer but removes the risk of miscounting.
What to do if your branch doesn't accept rolled coins
If your Bank of America branch has stopped accepting coins or doesn't offer the service, you have other options. Many grocery stores with customer service desks have coin-counting machines that charge a small percentage fee (usually 8 to 10 percent) to count and convert your coins to cash or a gift card. Coinstar machines, found in grocery stores and pharmacies nationwide, work the same way.
You can also ask your branch if they can refer you to a local credit union or community bank that accepts coins. Some smaller banks and credit unions are more likely to accept coin deposits than large national chains. If you have coins you want to deposit into your Bank of America account, you could count them yourself, exchange them for bills at a store, and then deposit the cash normally.
Coins from other countries or damaged coins
Bank of America will not accept foreign coins or coins that are damaged, bent, or heavily worn. U.S. coins in normal circulation condition are fine. If you have a mix of U.S. and foreign coins, separate them before you go to the branch — the teller will refuse the foreign ones, and it's faster if you've already sorted them out.
Coins that are extremely old or rare should not be deposited at a bank, as you may be giving up their collector value. If you think you have valuable coins, take them to a coin dealer or appraiser first to understand what they're worth.
Frequently Asked Questions
Can I deposit rolled coins at a Bank of America ATM?
No. Bank of America ATMs accept cash deposits only — bills, not coins. You must go inside a branch and speak to a teller to deposit coins.
Do I need to be a Bank of America customer to deposit coins?
Yes. Non-account holders cannot deposit coins at Bank of America branches. If you don't have an account, use a Coinstar machine or a coin-counting service at a grocery store instead.
What if the coins I rolled don't add up to the right amount?
The teller will recount and adjust your deposit to match the actual amount. You'll receive a receipt showing the corrected total. To avoid this, count carefully before you wrap, or ask the branch to count loose coins instead.
Can I deposit coins from a deceased relative's estate?
Yes, if you have legal authority over the estate. Bring the coins and documentation of your authority (such as a letter testamentary or power of attorney) to your branch. The teller can advise you on what paperwork they need.
How long does it take to deposit rolled coins?
A small deposit of a few rolls usually takes 5 to 10 minutes. Larger deposits may take longer if the teller needs to recount or if the branch uses a machine. Call ahead if you're bringing in more than 20 rolls so the branch can plan for the time.