November 12, 2025 marked the end of an era: the U.S. Mint produced its final penny. 

Now, before you go checking your coin jars in a panic, here’s the good news: pennies already in circulation still work just like always. But yes, over time, you will begin to see fewer of them around. We want you to know what’s changing, how it might affect you, and how we’re here to help.

 

What’s Ahead and How We’re Helping You Navigate It  

 

For Consumers: What to Expect  For Businesses: What’s Ahead  For Non-Customers

You probably won’t notice much right away. But over time, you may see:

  • Fewer pennies as change.

  • Some merchants rounding cash transactions.

  • A little more encouragement to use digital or card payments.

At ACCESSbank we’re implementing this for now:

  • Consumers: 2 rolls of pennies per visit.

  • Businesses: no limit at this time.

Have a jar of pennies lying around? Bring them in. We’re happy to exchange or deposit them.

If you handle a lot of pennies (think: cash drawers, coin customers, etc.), you may want to start planning now. Over the coming months you might see:

  • Smaller shipments of pennies from the Federal Reserve.

  • More rounding of cash totals at checkout.

  • Adjustments to how you order and manage coin supply.

If you’d like help reviewing your cash-handling strategy or rounding options, our Treasury Management & branch teams are ready.

 

 

Since pennies are no longer being produced and national supply will continue to shrink, there may be times when we aren’t able to pay out exact amounts in cash.. For on-us checks (checks written by ACCESSbank customers) we will handle this in a simple and consistent way:

  • If the check total includes cents that require pennies, and we do not have pennies available,

  • We will round the cash payout down to the nearest nickel

  • And apply the remaining cents back to the check writer’s account

This keeps the transaction whole. The person cashing the check walks away with the closest possible amount in cash, and the check writer receives credit for the full amount they intended to pay.
 

Business as Usual 

Even though the penny is no longer being made, most of the ways you pay, spend, and bank will stay exactly the same. Here’s what isn’t changing:

Checks will still be written and processed for exact amounts.
You’ll keep writing checks the same way you always have, and businesses will continue depositing them for the full amount.

Digital payments stay the same.
Online banking, mobile payments, debit cards, credit cards, ACH, automatic bill pay do not rely on pennies, so nothing changes there.

Direct deposits and electronic transfers are not affected.
Payroll, Social Security, government payments, Zelle, internal transfers will all continue without any rounding or adjustments.

Loan payments and escrow transactions remain exact.
Mortgage, auto, personal loans, and HELOCs will all continue to post down to the exact penny, just as they do today.

Depositing pennies is still allowed for now.
Pennies remain legal tender, and you can continue to bring them in to deposit or exchange while supplies last.

Your everyday banking doesn’t require you to do anything new.
For most customers, the biggest difference you’ll notice is simply seeing fewer pennies in change over time.

Our Promise to You

These transitions take time, and you don’t need to change everything today. We’re committed to ongoing communication — when we see supply shifts, we’ll let you know right away. In the meantime, if you have questions, want to drop off your pennies, or talk through your business’s needs, connect with us today.