Some Bank Employees are Aware of the value of Silver, and they are sifting through these coins to find Silver for themselves. They will care less about that extra $5 you offer them! ;)
A couple of weeks ago I went to my local branch to buy $100 in half Dollars. The teller asked me what I wanted them for? I told her that I was looking for any pre-64 coins. She laughed at me and said that she scoops up all of the Silver for herself! She then pulled out a zip-lock bag which was full of pre 64 coins she got in just one week. She told me she has accumulated a lot of Silver by doing this. She was "Fully Aware" of the value of Silver, and I wasn't getting none of hers at this bank!
I'm thinking about getting a partime job at a different bank just to search for Silver myself! LOL What an Awesome Job to find pre-64 coins!