Where Can You Cash Coins for Free?

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Saving Money

People have saved moneyI’ve been saving my spare
change for years, stuffing coins and cash into clay pots, metal
boxes, and piggy banks. I find it everywhere – tucked between the
couch cushions, hidden in jeans pockets, and even at the bottom of
my purse. Over time, all this loose change adds up. Saving it is
easy, but turning it into cash is a bit tricky. Thankfully, there
are ways to exchange my loose coins for hard cash.

I’m looking for a way to turn my coins into cash
without having to pay a fee. Lucky for me, there are plenty of
options. Coinstar kiosks, banks, credit unions, and more will all
cash in my coins for free. So, I can just take my coins over to one
of these places and get my money without having to worry about
paying a fee. Plus, I don’t even need to deposit my coins into an
account. It’s really that easy!

Best Places To Cash Coins for Free

As a customer of a bank or credit union, I’m
lucky to have access to a free coin-counting service. It’s a great
way to save time and hassle. Depending on the bank, I may be able
to use a self-service coin counter or I may need to sort and roll
the change before I arrive. Some banks also limit how much I can
convert at once. Either way, it’s a great way to turn coins into
cash without any stress.

I am always looking for ways to turn my coins
into cash and luckily, there are plenty of places to do just that.
From banks to supermarkets and retail stores, I can easily find
somewhere to cash in my coins for free. A few of my favorites
include coin counting machines, coin exchange kiosks, and even some
online banks. For example, coin counting machines are available in
many supermarkets and allow me to quickly and easily exchange coins
for cash. Coin exchange kiosks are also great as I can simply drop
my coins in and get cash in return. And some online banks offer
free coin exchange services, making it even easier to get cash from
my coins.

1. Bank of America
2. Chase
3. Citizens Bank
4. JBT
5. Manasquan Bank
6. Republic Bank
7. U.S. Bank
8. Penn East Federal Credit Union
9. Suncoast Credit Union
10. Coinstar
11. QuikTrip

Banks

The big national banks may not have
coin-counting machines in branch lobbies, but some do accept coin
deposits. And many community and regional banksAt my local credit
union, I can enjoy services that the big banks don’t offer. For
instance, I can get my coins counted quickly without having to
hassle with a machine. When I’m at the teller window, I’ve got the
option of withdrawing my deposit as cash or I can head over to the
ATM. It’s a nice convenience that helps me save time and
effort.

1. Bank of America

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Bank of America, Member FDIC, accepts U.S.
coins, but they must be presented in full rolls at any of the
bank’s local financial centers. Find your nearest one by entering
your address in Bank of America’s branch locator.

2. Chase

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If you have a Chase account, you can deposit
your coins there. In fact, Chase has recommended that customers
deposit coins to help alleviate the coin shortage. Not all branches
accept them, however. To see if yours does, use the branch locator
on the Chase website to search your local branchesI noticed that
some branches don’t take coins. It’s easy to spot which ones – they
have a note that reads “No coin transactions”. So if I want to pay
with coins, I need to check first and make sure that the branch I’m
at accepts them. Otherwise, I’ll need to look for another one.
Knowing this helps me plan ahead and save time.

3. Citizens Bank

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I’m looking to deposit or exchange loose change
and rolled coins at Citizens Bank. Anything under $20 can be
deposited as it is, while anything above that needs to be rolled in
specific wrappers, which some branches provide. To cash out, $20 or
more is needed.

4. JBT

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JBT offers self-serve coin counting machines at
each of its branches. Customers can count change for free;
noncustomers pay a fee, which JBT donates to charity.

5. Manasquan Bank

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New Jersey’s Manasquan Bank has coin machines at
many, if not all, branches. Check the bank’s location finder to see
if your branch offers this service.

6. Republic Bank

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I just discovered Republic Bank’s Magic Money
coin-counting machines! They’re only available at their branches so
I headed over there to check it out. Not only can I use it to count
my coins, but I can also win a prize for using it. It’s definitely
worth it – I can’t wait to try my luck!

7. US Bank

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I recently found out that U.S. Bank has a really
cool feature for customers that visit select branches. They offer
coin-counting self-service! It’s such a great way to save time and
hassle of counting coins manually. I think it’s really helpful,
especially if you’re someone who deals with a lot of cash. I’m
definitely going to take advantage of this feature when I’m at the
bank. It’s convenient and time-saving, so it’s definitely worth it
in the end.

Credit Unions

A number of credit unions around the country
accept coin deposits, and some offer coin-counting services at no
charge for customers. If you’re already a member of a credit union
with physical branches, this can be an easy way to convert your
change to cash or deposit it in a checking or savings account.

Here are some credit unions GOBankingRates has
confirmed accept coins.

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8. Penn East Federal Credit Union

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As a member of Penn East Federal Credit Union,
I’m thrilled to have access to free coin-counting services! It’s a
great perk that I’m sure many nonmembers wish they had.
Unfortunately, if you’re not a member, you have to pay a two
percent fee. But it’s a small price to pay to take advantage of
this helpful service.

9. Suncoast Credit Union

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I recently discovered that Suncoast Credit Union
has machines in each of their branch lobbies for me to count my
loose coins. If I’m depositing $100 or less, no charge applies, but
for anything above that, I’m charged 5%. As a nonmember, the fee is
doubled at 10%. One thing to keep in mind is that rolls of coins
are not accepted.

Other Places To Cash In Your Coins

I’m looking for a way to cash in my change
without having to go to a bank or credit union. But I don’t want to
pay a fee. So I’m checking out all my options. Turns out there are
places I visit every day, like Walmart, that offer free exchanges
when you opt for a gift card instead of cash. It’s a great way to
get rid of all those coins without having to pay extra.

10. Coinstar

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Walmart stores, supermarkets, gas stations and
many other retailers — nearly 20,000 in all — have Coinstar kiosks
that make it easy for customers to cash in their change. Pour your
loose change into the receiver and let the machine do the work of
sorting and counting the coins. You’ll pay a fee if you want to
receive your money as cash, but the e-gift card option is free.
Choose an e-gift card from a Coinstar partner merchant, including
Amazon, Apple, Outback Steakhouse, Nike and Southwest Airlines, and
you won’t pay a penny to convert your change.

11. QuikTrip

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During the change shortage spurred by the
COVID-19 pandemic, QuikTrip gas stations allowed customers to
exchange coins in full dollar amounts in order to keep enough coins
on hand to make change for customers paying in cash. Search your
local QuikTrip on the company’s location finder to see if it’s
still offering cash for coins.

Takeaway

I’ve got spare change lying around and I want to
convert it to real money. Turns out, I can do this for free! All I
need to do is locate a bank or credit union with a coin-counting
machine. That’s the easiest way. Otherwise, I can buy some coin
wrappers, then take the time to sort, count and roll the change
before putting it in my account. This way, I won’t have to pay
extra for a service fee and I can keep more of my money.

Daria Uhlig contributed to the reporting for
this article.

Information is accurate as of March
30, 2023.

As an individual, I’m not connected
to any of the entities mentioned in this article. My opinions,
evaluations, reviews, ratings, and recommendations are all my own
and have not been reviewed, accepted, or endorsed by any of the
entities named. I’m just offering my own views on the
subject.

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