I have to use quarters to do laundry. So I often go to the bank to get a roll of quarters. It took me an ENTIRE YEAR AND A HALF to realize I could go to ANY bank to get a roll of quarters, instead of scheduling my entire life around going to MY bank, like I was using my ATM card to get a roll of quarters, WHICH I WAS NOT. I was just using a $10 bill, which is accepted as legal tender in ALL BANKS, regardless of whether I have an ACCOUNT THERE. A year and a half.