From this article:
http://www.law.com/jsp/article.jsp?id=1120208723965
It seems to me like the teller should have said, \"Hey, that's cool. You can totally pay with pennies. Unfortunately, it's totally cool for me to charge a processing fee. So I'm going to have to count these pennies to make sure you gave me the right amount. And I may be bad at counting, so I may do it slowly and lose count a few times. Who knows how many hours it might take? For that matter, didn't you get a friend to drive you here? I'm pretty sure he has better things to do than wait around. Of course, if you leave, I might just loose count even more times. And you'll have to pay my hourly wage for it. And come to think of it, even if you have exact change, you don't have enough money to pay the processing fee. So come back when you have enough money.\"