Most large banks no longer have coin machines for customers

The short answer: Chase, Bank of America, Wells Fargo, and Citibank removed most of their coin-counting machines between 2010 and 2020. If your bank had one, it's likely gone. Some regional banks and credit unions still operate them, but you'll need to call ahead—they're not listed online and availability changes.

Banks stopped maintaining coin machines because the machines break down frequently, cost $3,000 to $4,000 each to repair, and take up floor space. Fewer people use coins, so the math stopped working for large institutions. What remains is scattered: a few branches in some regions, nothing in others.

If you have coins to convert to cash or deposit, you have three realistic paths: find a bank or credit union that still operates a machine, use a retail coin-counting service (which takes a percentage), or roll the coins yourself and deposit them at your bank's teller window.

Key Takeaways

  • Chase, Bank of America, Wells Fargo, and Citibank phased out coin machines at most branches; calling your specific branch is the only way to know if one remains.
  • Credit unions are more likely to have coin machines than national banks, especially if you are a member.
  • Grocery stores with customer service desks (Whole Foods, some Kroger locations) and Coinstar machines in retail spaces count coins for a fee, typically 10% of the total.
  • You can roll coins yourself in paper sleeves (available free at most banks) and deposit them at the teller window without a fee.
  • Calling ahead is essential—even branches that had machines may have removed them, and hours for coin services vary.

How to learn about your bank still has a coin machine

Call your branch directly. Do not use the main customer service number—ask to be transferred to the branch manager or a teller who handles coin services. Ask specifically: "Do you have a coin-counting machine available to customers?" Some branches say yes but the machine is broken; ask when it was last serviced.

If your bank is a national chain, check whether you have a membership relationship with a credit union instead. Credit unions often maintain coin machines longer than banks because they serve smaller, more stable member bases. If you belong to one, that's your fastest option.

Online banking portals and branch locators do not list coin machine availability. The bank's website will not tell you. You must call.

Credit unions and regional banks that still operate coin machines

Credit unions vary widely by region and membership. Navy Federal Credit Union, Alliant Credit Union, and many local credit unions still maintain coin machines, but only for members. If you are not a member, you cannot use them. Check whether your employer, school, or union offers credit union membership—many do.

Regional banks like Umpqua Bank (Pacific Northwest), Zions Bank (Mountain West), and some community banks in the Midwest still have machines at select branches. Again, call first. A machine listed in a branch directory from two years ago may no longer exist.

The availability is genuinely unpredictable. A branch may have a machine one month and remove it the next if it breaks and repair costs exceed the bank's willingness to pay.

Coin-counting services that charge a fee

Coinstar machines are the most visible option. They sit in grocery stores, pharmacies, and retail locations nationwide. You pour coins in, the machine counts them, and you get a receipt. The fee is typically 10% of the total value—so $100 in coins nets you $90. Some Coinstar machines offer a no-fee option if you take your payout as a gift card to retailers like Amazon or Target instead of cash.

Whole Foods and some Kroger locations have customer service desks that count coins for members. Whole Foods charges no fee if you are an Amazon Prime member; otherwise it's 10%. Kroger's policy varies by region and store.

Local laundromats sometimes have change machines that accept coins and dispense bills, though the exchange rate may not be 1:1.

Rolling coins yourself and depositing at the teller window

This is free and takes time. Most banks provide coin-rolling sleeves at the teller window—ask for them. They come in standard denominations: pennies (50 coins per roll), nickels (40), dimes (50), quarters (40). You fill each sleeve, seal it, and hand it to a teller. The teller counts it and deposits it into your account or gives you cash.

Some banks limit the number of rolls you can deposit at once or require advance notice if you have more than a certain amount. Call ahead if you have more than $50 in coins. Bring your account number or debit card so the teller can identify your account.

This method is slower than a machine but costs nothing and works at every bank.

What to do if no coin machine is available in your area

Your options, in order of cost and effort: roll the coins yourself and deposit them free at your bank's teller window; use a Coinstar machine and accept the 10% fee; ask your bank whether they will count coins for you as a courtesy (some will, some won't—it depends on the branch manager and how much you have). Do not assume the answer is no without asking.

If you have a very large amount of coins—more than $500—some banks will make an exception and count them for you, especially if you are a long-standing customer. It never hurts to ask the branch manager directly.

If you are depositing coins into a business account, some banks are more willing to count them because business customers generate more revenue. If you own a small business, mention that when you call.

Frequently Asked Questions

Can I deposit rolled coins at an ATM?

No. ATMs accept only bills and checks. You must go to a teller window inside the branch during business hours. Some banks offer after-hours deposit envelopes, but those are for checks and bills only.

Will my bank charge me a fee to use their coin machine?

No. If your bank has a coin machine and you are a customer, using it is free. The fee only applies to third-party services like Coinstar. However, some banks limit how often you can use the machine or require you to be a checking account holder (not just a savings account holder).

What if I have a lot of coins from a business or vending machine?

Call your bank's business services line and ask whether they offer bulk coin-counting. Some banks have separate coin-handling services for businesses. If you are depositing coins from a vending machine you own, mention that—banks sometimes treat business coin deposits differently than personal ones.

Can I exchange coins for cash at a store without buying anything?

Most retailers will not exchange coins for cash without a purchase. Some grocery stores with customer service desks may do it as a courtesy, but there is no may provide. Your bank teller is your most reliable option.

Is there a limit to how many coins I can deposit?

No legal limit exists, but individual banks set their own policies. Some branches ask you to call ahead if you have more than $100 in coins so they can prepare. Very large deposits (over $1,000) may trigger additional paperwork for fraud-prevention reasons, but this is rare for personal deposits.