May 22, 2012, 02:43 PM
no not new. started 10 years ago with pennies and the occassional halves !! first 3 rolls of hakves i've ever bought ...1 roll of Bank rolls 1964 and the other two had 15 more 40% and 5 more 90% !!! 2 years ago 1 roll franklins 1 roll of walkers and 1 roll of 64's all from the same bank when silver was $16 an oz I sold !!! but never have i had the teller search 2 feet in front of me !!!!!
May 22, 2012, 02:47 PM
That's the one thing that infuriates me about this hobby. Some tellers believe they can choose what to give and act like it's their money that they are handling. Well it's the bank's money not theirs. I had a teller once pretend to look for "special" dates for me when I asked for halves. She came back from the vault moments later with $100 in cut BWR halves. Needless to say I do some of my dumps at that bank.
Originally Posted by SnakemanBill
May 22, 2012, 02:48 PM
What I'm going to say might ruffle a little feathers, but they're not 'your' coins until the money exchanges hands. Yes, it would make me mad too if that happened to me but I'd bite my tongue and turn them into my biggest dump bank. Of course, you need to make sure you have an account at that dump bank because some banks won't deal with non-account holders, especially if you start bring in large volumes of coin. Don't create too much of a fuss about it, next thing you know banks in your area might say NO COINS to anyone without a business account. Unless explicitly stated in your bank's schedule of fees/brochures/paperwork, they have no obligation to provide non-business customers with coins in high volumes like some of us ask for.
Also, I'm not sure if you told the tellers that you CRH, but this is the main reason why I NEVER tell any bank employees that I CRH. If they didn't know about silver coins before you walked into the branch and told them you're looking for silver, they do now and some of them will start hunting on their own.
By no means am I a veteran CRH'er. I have learned lots of valuable lessons throughout the 5 or so years I've been doing this. It takes time to find out what works and what doesn't work.
May 22, 2012, 02:53 PM
when asked i state" i look for unusual coins and mint errors . my 10 year old found a 2011 dime 2 months ago that was a mint error ....minted without ridges.....so i look for things like that " usually gets them on the dime and how much its worth. then they ask if its worth it and i say anytime spent with my son is worth it..even if i have to go through 10k in coin before i find something interesting !!
May 22, 2012, 03:38 PM
that's harsh, i would have refused to buy her other half dollars.
May 22, 2012, 05:27 PM
I am of the opinion that tellers have every right to CRH. I do wish they wouldn't do it right in front of me, and it is frustrating when they do. However, I do not believe that a CRHer has any more right to coin(s) in the teller's possession than the teller. In fact, maybe a bit less of a right as the teller scored them first. IMO, thats pretty much like you being behind me in line at a bank, seeing me score some silver, and then demanding that I relinquish the silver to you simply because you want it. Banks are not coin shops. CRHers are not entitled to buy individual coins/rolls/boxes just because they want to. Its great when banks extend this privilege (and yes it is a privilege, not an entitlement) to us, and we should be very thankful when we receive this privilege. Banks are in business to make money. We CRHers cost them money every time we walk into their establishment. Its amazing to me that we have the opportunities to CRH as much as we do. Think about it...if you owned a business, would you continuously cater to clients/customers that did nothing but cost you money every time they walked in through the door? Of course not.
In this particular case, I do not belive the OP had even a little ground to stand on as he didn't even have an account at that particular bank. He did however, have every right to refuse to buy the teller's rejects. It is possible - likely even - that by whining to the manager he could have scored the silver. Back during my college days I worked a few jobs in retail and whining customers were usually allowed to get their way, often to the extent of violating store policy. On the other hand, I have also seen whining customers "get shown the door" and asked to never return, and store policies changed because of it. Pick your battles wisely.
May 22, 2012, 05:44 PM
Very well written statement ArkieBassMan. Banks have been very good to us CRHers, so we need to pick and choose our battles and decide how far we really want to take our arguments. Don't bite the hand that feeds and don't get too greedy when it comes to coins. Be thankful for what you get.
May 22, 2012, 08:18 PM
now I understand why Tim has 7 accounts. I think that having an account gives you a bit more rights to complain about such unpleasant activity going on in front of you.From some perspective it almost looks insulting that she deliberately opened them in front of CRH and pulled the silver away. She could have done that before, just to keep things cool. I mean if the teller is not ought to sell silver coins, he/she can at least keep them aside. It is very sad that some people like to hurt others by doing this.
Originally Posted by huricanesrul
0/5 Mercury dimes
0/10 Tombac nickels
0/10 War Nickels
0/1 Silver dollar
3/2 Silver half-dollar
14/100 silver dime
1/10 George V nickel
150/100 Wheat cents
2/5 Indian Head Penny
1/1 2006 no P magnetic
4/4 Clipped planchet
1/1 Blank planchet
May 22, 2012, 09:35 PM
exactly !!! ignorant right in front of me . but i didnt have an account so i did not have a battle ......just mad that it happened right in front of me !!! after she told me to come back for them ........ i don t mind a teller taking what they find ....perks of the job...but to just search in front of me and put the silver to the side and say" i'll keep these..do you want to leave your number if we get more we'll call " come on .....ignorant isn t the worn !!!
May 22, 2012, 11:57 PM
I think alot of us have had a similar situation in some way, I've had a teller go back to her till by the drivethrough window and pick out some to keep and put them back in her tray and bring the other halves up to me at the walkin counter, I didn't ask about the ones she kept, came back in 3 days later and asked a different teller if she had any loose or rolled halves and she pull ed out a ziplock baggy with 16.50 inside, she opened the bag and counted them in front of me and put them in a envelope. When i got to the car I looked at them (2 90% and 8 40%). So just because 1 teller picks out silver, doesn't mean they all do. I usually say nothing and just come back and try again, has worked for me everytime.
Originally Posted by huricanesrul
May 23, 2012, 12:51 AM
Be nice and now you have a great dump bank!!Its just about the silver.
May 23, 2012, 07:25 AM
Mr. FreedomUIC to you!
Originally Posted by huricanesrul
Yes you did, you could have walked out of the bank and not purchased the clad she left for you. Everybody seems to think that tellers have the rights to the coins in their trays and drawers. THEY DO NOT!!!! That money belongs to the bank and not them. Now if the teller chooses to do her sniping while nobody is in line then fine by me, BUT DO NOT DO IT IN FRONT OF ME!!!!!!!!!!!! It is not only rude, face it they know what were are doing, but it probably violates at least a few bank policies along the way.
I would actually open an account with this bank and make it the only dump bank I would use. I would literally beat that horse until it was dead and they asked me to leave. It would even be worth it to open a business account and pay a small fee just for the rights to do just that. After all, you own a Car Wash, Laundry Mat and a vending service which operates on a coin basis only......
It is things like this that really whiz me off.
[R.I.P. Rich Hartford - Champion CRH of All Time]
May 23, 2012, 08:02 AM
Just because they go through them does not mean they know what they are looking for. Yesterday I bought the only five rolls that a small town bank had, the teller told me that they had all been gone through. Whattaya know, 2 40% ers! I have found that most non CRH types don't know about the 40% coins.
May 23, 2012, 09:23 AM
I would have to respectfully disagree. A teller is the employee of the bank therefore he/she is working while at the bank. I'm sure nowhere in his/her employment agreement is anything that states the ability and/or freedom to search for silver for PERSONAL gain while on the clock. The customer, regardless of membership, has more right than a teller to those coins. Why? Because the customer will be "paying" face value for the coins. The teller did not legally purchase the coins at that point in time when she held them for herself. That would be withholding bank assets from a customer. I'm sure the bank would frown upon that. It would be different if every teller was required to purchase out of pocket his/her tray at the start of every shift. That would make it so all the coins in the tray would be owned by the teller. Then you could say that he/she has a right to the coins but that is not the case. It boils down to this: A teller handles the bank's money not theirs.
Originally Posted by ArkieBassMan
May 23, 2012, 10:37 AM
Unfortunately, the tellers are in control. The debate that we all have is fine, but is purely academic and won't change what tellers do or what we can do in response. We should focus our discussion on what works and doesn't work for dealing with this issue rather than why it should or shouldn't happen.
Right or wrong, some tellers will choose to withhold coins or bills that we see in their tray. When that happens, we have the following choices (Please add your own suggestions):
1) Confront the teller and insist that they either exchange coin for cash or that they bring a supervisor over to explain to you why they won't
2) Approach a supervisor on your own to discuss it
3) Refuse the clad and walk away
4) Buy the clad and walk away
Circumstances and confidence guide which approach is right for each incident.
A Penny Sorted is a Penny Earned
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