Depends. The big city banks generally get the volume, but the larger the bank the bigger the chance for idiotic bureaucracy (such as, oh, I'm sorry, we can only sell these to you if you've got an account even though you're exchanging cash for cash....). In general, go where the people are desperate for cash, a wealthy suburb will rarely get in half dollars because its inhabitants can afford to keep $30-50 in clad halves as curiosities while in the poorer areas that $30 in silver halves has to go to pay the bills and rarely do they have the knowledge or foresight to take it to a PM dealer.