TD Bank coin machines are available at most branches, but not all, and access depends on whether you have an account
TD Bank operates coin-counting machines at many of its locations, but the availability and terms vary by branch. If you have a TD Bank account, you can use the machines for free at branches where they are installed. If you do not have an account, some branches will still let you use the machine for a fee—typically between 5 and 10 percent of the total value—though this policy is not uniform across all locations.
The fastest way to know whether your nearest branch has a machine is to call ahead. TD Bank's customer service line can tell you which branches in your area have coin machines and whether you need an account to use them. You can also visit a branch in person and ask a teller directly.
Key Takeaways
- TD Bank coin machines are free for account holders but may charge a fee of 5 to 10 percent for non-account holders at some branches.
- Not every TD Bank branch has a coin machine, so calling ahead or visiting in person is the only way to confirm availability at your location.
- You will need to bring your coins in a bag or container; the machine will count them and either deposit the total into your account or dispense cash.
- If your branch does not have a machine, you can roll coins yourself, deposit them at the teller window, or use a coin machine at a different financial institution.
How to use a TD Bank coin machine
If your branch has a machine, the process is straightforward. Bring your coins in any container—a bag, jar, or coin wrapper. Pour the coins into the machine's hopper, and it will count them automatically. The machine displays the total value on a screen.
You then have two options: deposit the amount directly into your TD Bank account, or receive cash. If you choose to deposit, the transaction posts to your account immediately or within one business day, depending on the time of day you use the machine. If you choose cash, the machine dispenses bills in exchange for your coins.
Some machines also allow you to exchange coins for a receipt that you can take to a teller to cash out. This is useful if the machine runs out of bills or if you prefer to handle the transaction with a person.
What to do if your branch does not have a coin machine
If the TD Bank branch nearest you does not have a coin machine, you have several options. The simplest is to roll your coins yourself using coin wrappers, which you can buy at most grocery stores or pharmacies for a few dollars. Once rolled, you can deposit them at the teller window just like you would deposit bills.
Another option is to visit a different TD Bank branch that does have a machine. If no nearby branch has one, you can check whether other banks in your area—such as Bank of America, Wells Fargo, or local credit unions—have coin machines available to the public. Some of these institutions charge a fee for non-members, but the fee may be lower than rolling coins yourself if you have a large amount.
A third option is to use a coin-counting kiosk at a grocery store or retail location. Many supermarkets, including Coinstar machines found in grocery chains, will count your coins for a percentage fee, typically 10 to 12 percent. This is more expensive than a bank machine but faster than rolling coins by hand.
Fees and account requirements
TD Bank account holders use coin machines for free at branches where the machines are available. There is no charge, and the transaction counts toward your account activity just like a regular deposit.
Non-account holders may be charged a fee, but this varies by branch and is not a bank-wide policy. Some branches waive the fee as a courtesy; others charge 5 to 10 percent of the total coin value. Call ahead to ask about the fee at your specific branch before bringing in a large amount of coins.
If you do not have a TD Bank account and want to avoid fees, opening a basic checking or savings account is often free and takes about 15 minutes. This gives you permanent free access to coin machines at any TD Bank location that has one.
How to find your nearest TD Bank branch with a coin machine
Start by calling TD Bank's main customer service line at 1-800-937-8372. Tell them your zip code or the address of the branch you want to visit, and they can confirm whether that location has a coin machine. They can also tell you the branch's hours and whether you need an account to use it.
Alternatively, visit the TD Bank website and use the branch locator tool. While the locator does not always list which branches have coin machines, you can call the branch directly from the locator page. Many branches also list this information on their individual pages or in their service descriptions.
If you are already a TD Bank customer, you can also ask at your current branch or call the branch you plan to visit. Tellers know their own equipment and can give you accurate, up-to-date information.
Frequently Asked Questions
Do I need to be a TD Bank customer to use a coin machine?
No, but non-customers may be charged a fee of 5 to 10 percent at some branches. Account holders use the machines for free. Call your branch to ask about their policy for non-members before you visit.
What if the coin machine is broken or out of service?
Ask a teller if you can deposit your coins at the window instead. Most branches will accept rolled coins or allow you to pour coins into a bag that the teller will count and deposit for you. There may be a small fee for this service at some locations.
Can I exchange coins for cash without depositing to an account?
Yes, if the machine has that option or if a teller can help you. Some machines dispense cash directly; others require you to deposit first and then withdraw. Ask a teller what options are available at your branch.
How long does it take to count coins at a TD Bank machine?
Most machines count coins in two to five minutes, depending on the amount. Bring your coins in a bag or container to speed up the process—do not bring them loose in your pockets.
Are there limits on how many coins I can deposit?
Most coin machines do not have a stated limit, but very large amounts may take longer to process. If you have more than a few pounds of coins, call your branch ahead of time to ask whether they recommend bringing it all at once or splitting it into multiple visits.