Where to Get Small Bills for Everyday Use
Find simple, practical ways to get the small bills and change you need for everyday transactions.
Smaller denominations of currency, often called “small bills” ($1s, $5s, $10s, and coins), are frequently needed for everyday transactions like tipping, vending machines, or minor purchases. Having these units of cash simplifies daily financial interactions and ensures readiness for cash-only situations.
Exchanging at Financial Institutions
Banks and credit unions are primary resources for acquiring small bills and coins. Account holders can typically exchange larger denominations for smaller ones at no charge by visiting a teller. While some financial institutions may accommodate non-customers, policies vary, with some imposing limits or small fees. Visiting your own bank or credit union is often the most reliable option.
While traditional ATMs primarily dispense $20 bills, some newer or specialized ATMs, including Interactive Teller Machines (ITMs), may offer smaller denominations like $5s or $10s. Availability varies by location and time, as these machines are stocked based on anticipated demand. If an ATM does not provide the desired denominations, visiting a branch during business hours remains the most reliable option for obtaining a specific mix of cash.
Breaking Larger Bills at Retailers
Making a modest purchase at a retail establishment is another practical method for obtaining smaller bills. When paying with a larger denomination, such as a $20 or $50 bill, the change received often includes smaller bills and coins. This strategy is widely used at grocery stores, convenience stores, gas stations, coffee shops, and fast-food restaurants.
Remember that the primary purpose of the transaction is to purchase an item; receiving change is a secondary benefit. While many retailers are accustomed to this practice, they are not obligated to provide change without a purchase. Politeness and understanding are helpful, as a business might have limited cash on hand, especially for very large bills like $100s or during certain times.
Other Practical Solutions
Beyond traditional banking and retail purchases, other avenues exist for acquiring smaller currency. Many laundromats and arcade centers feature change machines that convert larger bills into quarters or other coins. While convenient, their reliability can vary, and they may only dispense specific coin types.
Public transit kiosks, often found in bus or train stations, may provide change when purchasing tickets or loading transit cards. Some vending machines might also accept larger bills and return change in a mix of smaller bills and coins, though they are less reliable for specific denominations. Asking trusted friends or family members for change is another straightforward approach when immediate small cash is needed.