The Shocking Truth About PNC Bank Coin Exchange In 2025: 3 Ways To Get Cash For Your Change (And One Major Catch)

The short answer is a definitive "No"—PNC Bank does not have coin counting machines in its branches anymore. This is the most crucial, updated information for any customer or non-customer looking to exchange a jar of loose change in 2025. The era of pouring a mountain of pennies into a free, automated counter at PNC is over. This policy shift is a direct result of the bank's decision to remove all coin-counting machines years ago following concerns over their accuracy and calibration. The current policy requires a manual process, but there are specific steps you must follow to successfully turn your spare change into cash.

As of today, December 17, 2025, if you are a PNC Bank customer, your only option for exchanging coins is to properly roll them yourself and deposit the rolled change with a teller at a local branch. This process is free for customers and is the standard procedure across the bank's network. For those who are not PNC customers, or who want to avoid the manual rolling process, a comprehensive guide to the best alternatives is essential, especially considering the high fees charged by popular third-party kiosks like Coinstar.

PNC Bank’s Official Coin Exchange Policy: Rolled Coins Only

PNC Bank's stance on coin exchange is clear and consistent across its extensive network of branches: they will only accept coins that have been meticulously sorted and rolled. This is a significant operational difference from banks that still offer self-service coin machines.

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The requirement for rolled coins ensures accuracy and streamlines the deposit process for the bank's tellers. If you walk into a PNC branch with a bag of loose change, a teller will politely inform you that they cannot accept it in that state. The coins must be organized into standard paper wrappers according to the U.S. Mint's official denomination counts.

• For PNC Customers: You can deposit properly rolled coins directly into your PNC checking or savings account, including accounts associated with products like the Virtual Wallet. This service is provided at no charge.
• Coin Wrappers: Tellers at most PNC branches are able to provide coin wrappers (for pennies, nickels, dimes, and quarters) free of charge to help you prepare your change for deposit.
• Non-Customers: PNC Bank does not offer coin exchange services for non-customers, even if the coins are rolled. Your best bet is to open an account or use one of the alternatives listed below.
• Foreign Coin Exchange: PNC Bank explicitly states that they do not exchange or order foreign coin. If you have international currency, you will need to seek out a specialized foreign exchange service or a major airport kiosk.

The Reason Behind the Policy: Accuracy Concerns

The decision to remove coin-counting machines was not unique to PNC, but it was a definitive move. Following reports and questions concerning the accuracy of some automated coin-counting machines, PNC Bank made the strategic choice to pull all of its machines from branches. This was done to eliminate any potential discrepancies and maintain trust in their banking services, shifting the burden of counting back to the customer via the rolled coin requirement.

For business clients, the policy is similar but often involves larger volumes. PNC's Treasury Management business requires all coin to be "rolled/boxed" for deposit. Business accounts may also be furnished with a certain number of coin rolls monthly at no charge.

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Alternative 1: The Paid Convenience of Coinstar (And How to Skip the Fee)

The most popular alternative for quick coin exchange is the Coinstar kiosk, which you can find in many grocery stores, like Walmart and Kroger, and major retailers nationwide. However, this convenience comes at a significant cost that many people are not aware of until the transaction is complete.

Coinstar charges a substantial service fee that can be up to 12.9% of your total coin value, plus a potential transaction fee. This means for every $100 in coins you cash in, you could lose nearly $13.00.

The best way to use Coinstar without paying the high fee is by opting for a no-fee eGift Card or voucher. Coinstar partners with dozens of major retailers, restaurants, and digital services, including Amazon, Starbucks, iTunes, and Home Depot. By choosing this option, you receive the full 100% value of your coins, making it a viable, fee-free alternative to a bank deposit.

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Alternative 2: Finding a Bank or Credit Union with Free Coin Counting

While major national banks like PNC, Chase, Bank of America, and TD Bank have largely discontinued their coin counting machines, many smaller community banks and local credit unions still offer this service for free, often to both customers and non-customers.

The key to finding a free machine is to search for local or regional institutions in your area. Examples of institutions that have been known to offer this service include:

• Credit Unions: Most local credit unions offer free coin counting for their members as a perk of membership.
• Community Banks: Institutions like Ridgewood Savings Bank or Jonestown Bank & Trust Co. often provide self-serve coin counting machines at every branch, usually free for customers and with a small fee for non-customers (e.g., 9.9 cents per dollar).
• Call Ahead: Always call your local branch first to confirm their current policy and machine availability before lugging a heavy bucket of change to the bank.

For those who want to avoid Coinstar fees and the manual labor of rolling, seeking out a local credit union or community bank is the most cost-effective solution.

The Evolution of "Coin" at PNC: From Physical Change to Digital Assets

The stark contrast between PNC Bank's policy on physical coins and its emerging strategy on digital "coins" highlights a fascinating shift in the banking world. While the bank has moved away from handling pennies and quarters, it has simultaneously embraced the future of digital currency.

In a major, recent announcement, PNC Bank became one of the first major U.S. banks to launch direct spot Bitcoin trading capabilities for eligible clients of PNC Private Bank. Through a partnership with Coinbase, PNC's private banking clients can now buy, sell, and securely hold Bitcoin directly through PNC's own digital banking platform. This integration positions PNC as a leader in digital asset management and provides a secure, regulated way for high-net-worth individuals to invest in cryptocurrency.

This strategic move underscores the bank’s focus: the time and cost associated with managing physical currency is being replaced by investments in high-tech, high-value digital assets. The bank is essentially trading the hassle of a physical coin exchange for the high-growth potential of a digital coin exchange.

For the average customer, this means that while the convenience of a coin-counting machine is a thing of the past, the bank is heavily investing in next-generation banking technology. If you are a PNC customer looking to exchange your coins, remember to bring your pre-rolled change and your patience; if you are a private banking client, you can now exchange your dollars for Bitcoin with a few clicks.