Chase will take coins, but only through specific channels and with conditions that depend on your account type and the branch location
Chase does accept coins from customers, but the process is not as straightforward as walking in with a jar. The bank will count and deposit coins, but they may charge a fee, require you to roll them first, or direct you to a coin-counting machine instead of handling them at the teller window. What happens depends on whether you are a Chase customer, how many coins you have, and which branch you visit.
The most reliable way to deposit coins at Chase is through a coin-counting machine if your branch has one. Many Chase locations have these machines available to customers during business hours. You pour your coins in, the machine counts them, and you get a receipt you can take to a teller to deposit into your account. This avoids the fee that some branches charge for manual coin counting.
Key Takeaways
- Chase branches with coin-counting machines will count your coins for free if you are a customer, but availability varies by location.
- Some Chase branches charge a fee (typically 5 to 10 cents per dollar of coins) if a teller must count coins manually, and this fee applies even to account holders.
- Rolled coins are accepted at most Chase branches without a fee, so rolling them yourself before you go eliminates the charge.
- Non-customers cannot deposit coins at Chase; you must have an account at that branch to use the service.
- If your branch does not have a machine and charges a fee you want to avoid, a grocery store coin-counting machine or a credit union may be a free alternative.
What happens when you bring coins to a Chase branch
When you walk into a Chase branch with coins, the teller will ask whether you are a customer. If you are not, they will turn you away—Chase does not count or deposit coins for non-account holders. If you are a customer, the teller will either direct you to the coin machine or offer to count them manually.
If the branch has a coin-counting machine and you use it, there is no fee. You feed the coins into the machine, it displays the total, and you receive a receipt. You then take that receipt to a teller and deposit the amount into your account as you would a check. The whole process takes 5 to 10 minutes depending on how many coins you have.
If there is no machine or it is out of service, a teller can count the coins by hand. This is where the fee comes in. Chase policy allows branches to charge a fee for manual coin counting—typically 5 to 10 cents per dollar of coins counted. A branch manager can waive the fee as a courtesy, but they are not required to, and policies vary widely between locations.
How to avoid the coin-counting fee
The simplest way to avoid a fee is to roll your coins yourself before you go to the branch. Chase will accept rolled coins without charging a fee because the teller does not have to count them—they can verify the rolls by weight and spot-check a few. You can buy coin wrappers at any drugstore or supermarket for a few dollars, and rolling takes 15 to 30 minutes depending on volume.
Coin wrappers come in standard denominations: pennies (50 per roll), nickels (40 per roll), dimes (50 per roll), and quarters (40 per roll). Roll them tightly, seal the ends, and bring them to the branch. The teller will accept them without counting each coin individually.
Another option is to use a grocery store coin-counting machine. Many supermarkets (Coinstar machines are common) will count your coins for free if you choose to receive a gift card instead of cash, or for a fee (usually 10 to 12 percent) if you want cash. If you have a Chase account, the free gift card option may be worth it, since you can then deposit the card value into your account separately.
Rolled coins versus loose coins at Chase
Chase treats rolled and loose coins differently. Rolled coins are treated as verified currency and do not trigger a counting fee. Loose coins require manual counting, which is where the fee applies. This distinction is the reason rolling your coins yourself is the most cost-effective approach.
If you bring a mix of rolled and loose coins, the teller will count only the loose ones and charge the fee only on those. So if you have 10 rolls of quarters and a handful of loose dimes, you will pay a fee only on the dimes.
What to do if your branch charges a fee and you want to avoid it
Call your branch before you go and ask whether they have a coin-counting machine. If they do, you can use it for free. If they do not, ask whether the manager will waive the fee—some will as a courtesy to long-term customers, especially if the amount is small. If the answer is no, you have a few alternatives.
Credit unions often have more lenient coin policies than banks. If you belong to a credit union, call and ask whether they will count coins for members at no charge. Many will, even if you do not have an account with them but are a member of the broader credit union network.
A local bank (not Chase) may also count coins for free if you have an account there. Some community banks and regional banks do not charge for coin counting as a way to compete for customer loyalty.
Depositing coins into a Chase account online or by mail
You cannot deposit coins through Chase's mobile app or online banking. Coins must be physically brought to a branch or processed through a coin-counting machine at the branch. Chase does not accept coins by mail.
If you do not have a nearby Chase branch or want to avoid the trip, the coin-counting machine at a grocery store remains your best option. You can convert the coins to cash or a gift card, then deposit that into your Chase account through mobile banking or at an ATM.
Frequently Asked Questions
Can I deposit coins at a Chase ATM?
No. Chase ATMs accept only bills and checks, not coins. You must use a branch coin-counting machine or bring rolled coins to a teller inside the branch.
Do I have to be a Chase customer to use the coin machine?
Yes. Only Chase account holders can use the coin-counting machines at Chase branches. Non-customers must use a grocery store machine like Coinstar or visit their own bank.
What if I have a large amount of coins—like several hundred dollars?
Call your branch in advance and let them know you are coming. Large coin deposits can take time to count, and the branch may ask you to roll them or schedule an appointment. If you use the coin machine, it can handle large volumes, but you may need to feed coins in batches if the hopper fills up.
Will Chase charge me a fee if I bring rolled coins?
No. Rolled coins do not trigger a fee because the teller does not have to count them. This is the most cost-effective way to deposit coins at Chase.
What if the coin machine is broken when I arrive?
Ask the teller whether they can waive the manual counting fee due to the machine being out of service. Many branches will as a courtesy. If they will not, you can roll the coins yourself and return, or use a grocery store machine instead.