A Toonie is a two dollar coin. A Loonie is a one dollar coin. Most young people in Canada have never seen a one or two dollar bill as the Government did away with them years ago. And I just bring my rolls of coins in the the bank and they cheerfully give me cash bills back and say thank you they needed them. Doesn't cost a dime of course. Can't figure out why you'd pay to return coins or why a bank would refuse them. Doesn't make sense to me. But I do like saving them as they add up to some nice cash bonus bills. You mentioned TD bank. That's a Canadian bank. Canadian banks have been buying up U.S.financial assets like crazy for years now.