I work for a credit union and I can provide some insight. We are charged for the delivery service of the armored car company and a small per box charge (somethng like .50 a box). We bulk order cash and only receive an order 1x per week. In the past we ordered coin for members by request with no charge. Due to repetitive violations of CRH 101 we were forced to enact a new policy to charge 3.00 per box of coin.
What were these violations?
1. Ordering Tons of coin and returning it to us after searched (4-5k at a time)
2. Demanding services from tellers.
3. Bad attitudes
4. Refusal to take ordered boxes of coin because they were "too new"
It also costs money to have the coin picked up with some novice CRH refuses to take 5k in dimes....We are a large financial but we do not have the vault space for 20 boxes of dimes that will never sell because they are "too new".
The purpose of the coin box fee isn't to introduce a new stream of revenue for the credit union. It is actually to deter would be CRH 101 violaters who as we all know rarely use an order bank as their primary financial and cannot grasp the need for a positive relationship with the institution.