The answer is “it’s not as easy as you think.”
Before we start off, let that sink in: You can take a penny from your pocket, stick it into your pocket, put the coin on your phone, and get money to pay your taxes. Easy right? And that’s before you even get to the part where it shows it’s actually worth a dollar.
There are numerous ways to spend $1.
The most obvious method would be to put the coin in a credit card. You’d be on the hook for the rest.
That doesn’t sound so bad, I mean, it’s just giving the credit card company money right? Not necessarily.
I put a $1 piece in my debit card and then the next day I can put it on my account. However the value is dependent on many factors. For instance, my debit card isn’t valid for any purchases made after 11:59 pm the previous day on the same account. So after that date, the card will deduct a $1 charge from the balance.
The best way to deal with it is to put a piece of money in an ATM. Just be careful with where you place that money; some banks only allow deposits at machines they know you can open.
Another option is to use a local merchant ATM. I have one with a $20 million deposit account, but for $1.00 a pop, you can also use a $0.1, $0.2, or $0.3.
There is still one more option – cash. I don’t mean by that the physical money you see hanging from grocery bags that you see in checkout lines, but I mean the money you can get from your bank when you make a deposit or withdrawal, usually in increments of $20 and $100. If you are wondering where it is, it’s usually in your hand-deposit box when you make a deposit or withdraw. The best tip? Make sure to place your deposits or withdrawals at the same cash register as your debit account. The ATM machines and the cashier have to be the same.
For instance, I deposit money into my savings account and I can use this $20 to withdraw my $100 in a few hours. That might make you think the value is $200, but it’s all dependent on how fast you can get a check from your bank without a problem.
You can of course open a new account with a bank that
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