Expired coins are non-circulating coins, and banks can only accept them themselves. Money that is not circulating may not be convertible in the bank. Look at the regulations of the central bank. For example, the fourth set of RMB can now be exchanged in banks, and many coin banks do not offer exchange. For example, the first three sets of RMB are no longer convertible. The bank will accept coins. If coins are not in circulation, they should be exchanged within the validity period. If it expires, they will not work. Coins in circulation can be exchanged at any time. If the quantity is large, the bank should inform the bank first, and then the bank will handle it for them.

Coins in normal circulation can be deposited in banks. If you refuse, you said you would complain to them. In fact, it is the responsibility of every bank to recycle coins, and all banks should recycle them. But depositing coins is cumbersome, which is time-consuming and laborious for banks. Therefore, some banks are reluctant to accept coins.

Legal basis: Article 16 of the Law of the People's Republic of China on the People's Bank of China, the legal tender of People's Republic of China (PRC) is RMB. No unit or individual may refuse to pay all public or private debts in People's Republic of China (PRC) in RMB.