haven't put any thought into it, now that you mention it, I suppose I can stop staring at it.
Right on! Federally insured bank MUST take it in ANY condition. They will destroy those unsuitable for use. Many banks require them to be rolled. TTCI roll all my clad and deposit it at the bank even the ate up Zincolns although I let them know they were dug up coins and look pretty nasty, they can't refuse them. It is legal tender and they just send them in, they told me it didn't bug them.