On the subject of wads of cash: My financial institution runs a cashless office, referring all cash disbursement requests to their ATM. Which is fine by me, I guess. But the ATM leaves me without a ready way to request anything other than a $20. So, my thread-hijacking question is: where can one easily (freely?) exchange a wad of 20s for other denominations? Am I correct in my impression that you must be a customer of a commercial bank to request such a service? [Feel free to PM me, so as to avoid further thread-hijacking, if you like.]
And now we return to our regularly-scheduled, on-topic conversation...