Q: My knowledge was that any bank in the united States had to expropriate legitimate U.S. Currency and exchange it.

You are watching: Where to get change for a 20

Growing up, ns was provided to being able come walk into any type of bank and also exchange one form of U.S. Money for an additional without needing an account. I can cash in roll of coins (sometimes they would open up them and count, however not always) for bills or rest a invoice for tiny denominations or for change.


During the previous year, I have walked into some local banks to "break" a $20 bill for $1 bills which are handy because that tips and also vending machines. I have actually been called that unless I open an account, that the bank would not exchange the bills. I believe the actions room illegal, but I finished up going to the article Office and also buying a single stamp to rest a $20 invoice (they won't make readjust either).N.S., ugandan-news.com


A: The operative phrase in your inquiry was: "Growing up, I used to it is in able . . ." Those were different times.


There is no law that requires financial institutions to do change. In fact, laws to guard versus money laundering prohibit banks from making adjust for any kind of old amount.


At PNC, "limited currency and/or coin exchange is allowed for non-PNC customers up to and including $25," stated spokeswoman Marcey Zwiebel. "No exceptions are able to be made to the $25 maximum early out to bank Secrecy Act reporting (to which every currency and coin exchanges room subject)."


"Huntington's policy is no to make adjust for non-customers," stated spokesman invoice Eiler. "But if a person comes in the branch, we are pleased come welcome the opportunity to do that person a customer."


You don't show whether you actually have actually an account with any kind of bank or credit union. If friend do, I imply you arrangement ahead and get your $1 receipt from the institution. Or be prepared to do a lot of purchases that postage stamps or chewing gum to break those $20 bills.


Q: I checked out Cox Cable come pay mine bill and they wanted my ID, which ns didn't have actually with me. They claimed I couldn't salary my invoice without it. If someone wants to walk in and pay someone's bill, what's wrong with that? Why would they demand ID?


A: If you had actually wanted to salary in cash, over there would have actually been no problem. But because you want to pay with a check, Cox needed ID come verify your identity so the firm could procedure your check. So someone else might pay your bill by check, as long as the or she had actually ID.


Q: I receive at least one credit transaction card offer a week. When they provide me the alternative of opting out of receiving these offers, as soon as you speak to the phone call number provided, you're inquiry for her Social defense number. The number is the exact same on all provides 888-567-8688.


I am no comfortable providing this details to a firm that already seems to have actually a lot of my personal data. Is over there another means to opt out? carry out you think it is safe to administer the Social protection number?


P.G., ugandan-news.com HeightsA: You're way to it is in leery any time you're asked to administer your Social security number.


I've never understood why the credit bureaus desire to defend us so much from someone that is nice sufficient to have all of our an individual information but only wants to save us from getting credit map offers.


But this "opt-out" call number is legitimate. It's a collaborative initiative by the credit bureaus, Equifax, Experian, TransUnion and, the lesser-known, Innovis consumer Assistance.


You have the right to opt-out one of two people by calling 1-888-567-8688 or by filling out the kind online in ~ www.optoutprescreen.com. Yes, girlfriend must provide your name, address, SSN and also date the birth.


You can likewise submit the form by letter if you're opting the end permanently. Yet you must start the procedure online and also then print the kind and complying with the e-mail instructions.You can get an ext information around opt-outs, and verify this phone number and other contact information, by going to the Federal profession Commission's site: http://www.consumer.ftc.gov/articles/0262-stopping-unsolicited-mail-phone-calls-and-emailIf, main or month from now, you decision you desire to opt-out from credit transaction card offers and also don't have this column in prior of you, don't just do an virtual search for "opt-out" and also "credit cards" or whatever. That's a recipe because that coming throughout a cheat website.


Murray is The plain Dealer's an individual finance writer. Since of the volume that requests, she cannot aid everyone that contacts her.


Note come readers: if you purchase something through one of our affiliate web links we may earn a commission.

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