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Bank will not accept loose change. Is this legal?
The bank certainly doesn't have to take it for a deposit; that's not a debt.  There have been several cases where disgruntled debtors have attempted deliberately annoying ways to pay their debts; the apocryphal example being pennies.  Courts are not likely to support such efforts since it's obvious that a) the action is malicious and (relevant to you) b) it's really on you to maintain your money in a wieldy form.  If you allow your money to become unwieldy, nobody owes you anything.   I wonder about the meta-meaning of that.  And whether, in that light it really makes sense to worry about 5% or rolling.  As far as getting rid of it, when I bought out a girlfriend's piggybank at par, I just made sure to walk out of the house with $5 in change in my pocket and unload $2-3 at every retailer, none ever objected and some appreciated.  Quarters were traded to coin laundry users. When going on transit I brought a bunch, the machines never grumbled.  I burned through the cache much faster than expected.