Dump Bank Experience

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SFBayArea

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It's been a while since I posted but I wanted to share with you my dump bank experience today. I dump at this bank frequently but not in large quantities. The reason why I dump here so lightly was because one of the original head tellers a while ago gave me a Franklin Half Dollar long ago for face value. She was super nice and so I promised her I would never dump more than two bags there a week. Of course, she retired. I liked going there because they would just give me cash on the spot for the bags of coins I turn in. I and the bank have never had issue with the coins I dump here. I'm always accurate with what I bring in.

Now, they changed the rules with the new regime that is the same as other banks. No more getting cash on the spot for what I bring in. They have to do a deposit first and a withdraw from my account for cash. The deposit would take a week to process. Oh well, the benefits for coming in for exchanging fast cash and dumping lightly are gone.

I always ask for the old portrait design bills when I get cash. A month ago, the teller showed me she had a 1934 $100 but refused to give it to me. The only reason why she showed it to me was because I asked for older bills. I thought at the time, this is my dump bank for coins and they give me cash on the spot which is a benefit. No paper trail on my end but the policies have changed. I know that old currencies have little value but I think they're still cool and a 1934 bill has some value over face. I just would like to build a currency collection just from going to banks despite knowing they are mostly not worth much.

Fast forward to today, I asked for old portrait bills and this other teller starts to pull them out. She had a few $100's. But midway, she stopped and pulled one of them back. I could tell from the light green serial numbers and font that it was probably a 1934 $100. I told her to give it to me. She came up with the excuse that she's saving it for someone else since that person said he wanted that specific bill. I said that the person should've gotten it that day. I found her actions hard to believe and I think she was lying. She changed her description of who the guy was that was asking her to save older bills half way in our conversation. She swore that she would save them for me next time. I doubt it since the other teller who was working right beside her was the same one that showed me her 1934 $100 bill a month ago. People talk at banks especially when there's down time.

I thought about complaining to their manager because they shouldn't be doing coin or currency collecting on the job. My take is that if they're going to keep stuff for themselves, don't show it to the customers. What I don't see, I can't ask for. I told the teller that I've been nice to them by not dumping so hard on them in the past but I'm really considering changing my mind. I've been nice to them in the past and other tellers in the past have thanked me for not bringing in too much coin since it's pretty much all women that work as tellers and they hate having to carry heavy bags of coins. Since all the benefits of dumping lightly there are gone, I'm seriously considering using them as a primary dump bank since it is closer to my residence anyhow. I could do a large order and dump there all at once. LOL

When the female tellers start moaning about the coins I bring in, I could just say, "you can thank teller XXXY because she was doing personal money collecting on the job and would've give me what I asked for". LOL. I doubt by me saying that it would change anything there in terms of them holding onto older bills for me but I think people would get angry at that teller behind the scenes.

Just wanted to see what other folk's experiences are and whether a strategy like this or any other strategy can work to persuade them to not allow their employees to withhold coins or currency from customers. Just wanted to see how people's use of banks to dump on have been sweet revenge on an unhelpful teller. If this works at all.
 

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mxh5891

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Was talking about customer relations with me. She could also be doing to the next guy asking for bills. She needs to keep her searching aside on a minimum down time or breaks. Also it took up longer time and I was asking her questions. She changed her story midstream. When I asked if she was saving it for the old guy that comes around. She said "yes, do you know him?" Then I said "yeah that guy picks up my orders at my order bank too!" Sensing that I knew the old guy, she then it was someone else. Dunno but sounds very suspicious to me. I've been lied to so often, I can sniff it out.

Sounds to me like you were being a jerk to her and she jut lied so you would leave her alone.
 

Tejaas

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SFBayArea

SFBayArea

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Sounds to me like you were being a jerk to her and she jut lied so you would leave her alone.

Dunno but I've been dumping at that branch for years. No one was mad at me there or cut me off. LOL. All this huff and puff on the forum. I find it very humorous. I guarantee no one would tell it to me like this in person.

I'm moving in a few months anyhow. I just give the info to the manager, highly doubtful that the employee gets disciplined. That's the funny part is that everyone here thinks the person is gonna get fired.
 

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mxh5891

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You're welcome. Love to double down just like Trump does. Thanks

Why stop at the branch manager? Why not find the tellers parents and give them a talking to as well.

I have come to the conclusion that you realize how dumb you are and rather then admit you severely overreacted you are just trying to save "face" by telling everyone you are going to talk to the manager.
 

bobby131313

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I'd just tell you I'm pulling it for destruction. No little white lie for me, I'd tell you a big big whopper and send you packing since it's absolutely none of your business anyway.
 

mxh5891

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Dunno but I've been dumping at that branch for years. No one was mad at me there or cut me off. LOL. All this huff and puff on the forum. I find it very humorous. I guarantee no one would tell it to me like this in person.

I'm moving in a few months anyhow. I just give the info to the manager, highly doubtful that the employee gets disciplined. That's the funny part is that everyone here thinks the person is gonna get fired.

Glad you find it humorous. This whole forum is laughing at you, and at your expense. How old are you? I would guess but I don't want to offend you and have you overreact about that too.

Where are you moving to? I want to call the banks in that area to let them know not to ever lie to you or else they are in for a stern talking to.
 

Tejaas

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I love Treasurenet! =)

As do I.

A true 'melting pot' of all kinds of points-of-view... Even the ones that are 180 degrees off, haha.

;)


~Tejaas~
 

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SFBayArea

SFBayArea

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Glad you find it humorous. This whole forum is laughing at you, and at your expense. How old are you? I would guess but I don't want to offend you and have you overreact about that too.

Where are you moving to? I want to call the banks in that area to let them know not to ever lie to you or else they are in for a stern talking to.

I could just move to where you're at. Order 70 boxes a week and dry up the well there. LOL
 

jasonscoins

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SFBay -- I am going to be as respectful as possible here, and would like to present a scenario to you: Let's suppose for the sake of argument that the teller did lie to you and saved the bill in question for herself or someone close to her. It sucks for you, that you didn't get the bill. However, let's step back for a moment and make two realistic assumptions. First, if you really do have 150,000 in a bank account, the assumption would be that you are pretty well-to-do in life and losing out on a rare, hard-to-obtain $100 bill should not be that big of a deal. Secondly, let's also assume that the teller is not a rich lady, otherwise she probably would be doing something other than working at a bank. So, in conclusion, she probably needs the job and it would hurt her financially to lose it, so why bother to put her livelihood in jeopardy (admittedly it is a small chance of her being fired) over what amounts to a little white lie? Again, she may have messed up by lying to you, but really, I don't think it's worth escalating the matter to the higher-ups in the bank. My thought is you should just let it go and live to fight for that coveted bill another day. People have been giving you a hard time on this thread, and you have given it right back, but my hope is that you would reconsider taking this matter any further.
 

xxmrrightxx

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SFBay - Bottom line is you're wrong and the teller did nothing wrong. To everyone else responding, It's like talking to a kid, you can tell them over and over the right thing to do and how they are wrong but in the end they still won't listen. LOL. I wouldn't be whining over something so minor, with all of that money you say you have, you could go out and buy a top notch looking bill.
 

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SFBayArea

SFBayArea

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SFBay - Bottom line is you're wrong and the teller did nothing wrong. To everyone else responding, It's like talking to a kid, you can tell them over and over the right thing to do and how they are wrong but in the end they still won't listen. LOL. I wouldn't be whining over something so minor, with all of that money you say you have, you could go out and buy a top notch looking bill.

I mentioned here before that I'm going after old bills in circulation because how difficult they are to obtain in the wild. Of course, I can go buy a bill on Feebay. That would defeat the purpose of getting them in the wild. Old bills from the 1934 series are harder to come by in the wild than 90%ers simply because they stand out so much more and tellers usually locate them first. I have yet to obtain one in the wild and still waiting for that day. This is why it is such a challenge to achieve. For those who have gotten a 1934 series bill in the wild, congrats from me. All the ones I've seen in person are ones tellers have shown to me but were keeping the bills for themselves.

Again why do you CRH? If you can just go buy silver at your local coin shop or Feebay? Same reason.

Why do CRHers for example keep searching for a 1950-D nickel to fill the hole in their collection when they can easily go out and buy one?

I think the new crop of forum members here are really newbs and don't think too clearly before responding. They're just following the herd.
 

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SFBayArea

SFBayArea

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SFBay -- I am going to be as respectful as possible here, and would like to present a scenario to you: Let's suppose for the sake of argument that the teller did lie to you and saved the bill in question for herself or someone close to her. It sucks for you, that you didn't get the bill. However, let's step back for a moment and make two realistic assumptions. First, if you really do have 150,000 in a bank account, the assumption would be that you are pretty well-to-do in life and losing out on a rare, hard-to-obtain $100 bill should not be that big of a deal. Secondly, let's also assume that the teller is not a rich lady, otherwise she probably would be doing something other than working at a bank. So, in conclusion, she probably needs the job and it would hurt her financially to lose it, so why bother to put her livelihood in jeopardy (admittedly it is a small chance of her being fired) over what amounts to a little white lie? Again, she may have messed up by lying to you, but really, I don't think it's worth escalating the matter to the higher-ups in the bank. My thought is you should just let it go and live to fight for that coveted bill another day. People have been giving you a hard time on this thread, and you have given it right back, but my hope is that you would reconsider taking this matter any further.


Jasonscoins
You have made the most sensible argument of those here. However as mentioned previously, I will be doubling down just like Trump does. No apologies. LOL

I will however tell the manager that by no means am I seeking to have the person fired or say the teller doesn't deserve to be fired. However it is just bad customer relations when they pick through money for themselves or others in the middle of a transaction with that customer. If they want to do it, do it during down time, break, or lunch. Don't do it in front of the customer because it may upset them.

I thought about mentioning this earlier but it was so much fun watching new forum members here get worked up.
 

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Vdubguy

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For what it's worth. One time I was at a bank to pick up some half dollars. When the teller opened her drawer, I saw a red seal $2 bill. I then asked her if she had any old bills and she looked me right in the eye and said, "Nope". I said "ok, thank you for the halves and have a wonderful weekend."

EDIT: And if I had a dollar for every time a tell showed me some sort of silver but refused to sell it to me, I'd be a rich man. I always ask to buy it at face value and if they say no, I offer at melt. If they still say no, I leave it alone. No need to raise a fuss over stuff like this. It's all part of the game.

Happy Hunting
 

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LooseChange

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Sure, you can make trouble for the tellers. Double down on dumps, complain to the boss, crumple their bills, etc, etc.

Now, put yourself in their place. What would you do if some hyper-judgmental, holier-than-thou, self-proclaimed investment genius came along asking for old bills and then pitched a fit with your boss (for whatever reason). What would you do? You would start to devise devious, underhanded ways to get even. You can't deny it, that is what you would do - you would get even. We all know that's what would happen based on your record in this thread.

How could a teller get even in this type of scenario? Dunno, maybe they raise some questions . . .

"Why does this guy deal in so much cash and coin? Maybe it is a laundering scheme."

"Why does he only want old FRNs? Maybe he wants bills that are less traceable and have fewer security features."

"Hmm, all of this seems out of the ordinary, even a bit suspicious. The right thing to do is to file a FinCEN Suspicious Activity Report and let the feds decide."

Make no mistake about it, if that happens (FinCEN SAR), you have a tremendous hassle on your hands - whether you are doing anything wrong or not.
 

Tnmountains

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It is easy for the one little squeaky wheel to ruin it for everyone.
 

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Multiple members are violating our rules. AGAIN, calling a member or implying a member is a troll VIOLATES our rules as does calling a member a clown.

If you can't reply or express your opinions with out insulting or violating our rules please DON'T reply....
 

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SFBayArea

SFBayArea

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Multiple members are violating our rules. AGAIN, calling a member or implying a member is a troll VIOLATES our rules as does calling a member a clown.

If you can't reply or express your opinions with out insulting or violating our rules please DON'T reply....

Thanks. I knew that the moderator would chime in. It goes to show there are a lot of newbs or FNG's here. The regular forum members have changed over the years. People don't realize there's rules here too and the newbs have to learn somehow. LOL
 

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SFBayArea

SFBayArea

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Sure, you can make trouble for the tellers. Double down on dumps, complain to the boss, crumple their bills, etc, etc.

Now, put yourself in their place. What would you do if some hyper-judgmental, holier-than-thou, self-proclaimed investment genius came along asking for old bills and then pitched a fit with your boss (for whatever reason). What would you do? You would start to devise devious, underhanded ways to get even. You can't deny it, that is what you would do - you would get even. We all know that's what would happen based on your record in this thread.

How could a teller get even in this type of scenario? Dunno, maybe they raise some questions . . .

"Why does this guy deal in so much cash and coin? Maybe it is a laundering scheme."

"Why does he only want old FRNs? Maybe he wants bills that are less traceable and have fewer security features."

"Hmm, all of this seems out of the ordinary, even a bit suspicious. The right thing to do is to file a FinCEN Suspicious Activity Report and let the feds decide."

Make no mistake about it, if that happens (FinCEN SAR), you have a tremendous hassle on your hands - whether you are doing anything wrong or not.


No.
If I realize I was in the wrong, I'd own up to it and say I'm in the wrong. I'm not perfect and I would do my best to fix it. No one is perfect. Perhaps I value honesty more than many others here do. Everyone has different rules they live by. Some have been raised to believe lying is acceptable. As pointed out on other threads, you have to cross 10K in cash withdrawls a day for it to be documented. I don't care if FEDs look into my account. Go Ahead. LOL. I don't do mega loads of CRHing anyhow. I'm not even close to that anyhow. I'm not an amateur to this game. c'mon man. LOL

Plus there are much better and easier ways to launder money than lug around a bunch of coins. LOL. There's an episode on NatGeo about money laundering. It's actually very interesting. It talks about how the cartels do it. If you want to do it, watch and learn.
 

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