WHY SOME MCDONALD'S CUSTOMERS MIGHT NOT GET THE RIGHT CHANGE BACK WITH THEIR ORDER

NBC New York

 

Why some McDonald's customers might not get the right change back with their order

By NBC Chicago Staff and The Associated Press • Published October 31, 2025 • Updated on November 1, 2025 at 12:08 am

 

You may not get exact change back if you pay in cash on your next trip to McDonald's, the Chicago-based burger chain said.

 

It's all because the United States is running out of pennies.

 

"Following the discontinuation of pennies nationwide, some McDonald’s locations may not be able to provide exact change," a statement from McDonald's USA sent to NBC Chicago said. "We have a team actively working on long-term solutions to keep things simple and fair for customers. This is an issue affecting all retailers across the country, and we will continue to work with the federal government to obtain guidance on this matter going forward.”

 

The statement comes months after President Donald Trump announced earlier this year that the U.S. would no longer mint pennies, citing the high costs.

 

McDonald's confirmed the decision was impacting certain pockets of the country more than others, with some restaurants experiencing penny shortages. Restaurants may round up or down to the nearest five cents if a customer does not have exact change, the company said.

 

The company said the change will not impact customers who use cashless forms of payments, like cards. McDonald's restaurants may also ask customers to use exact change, a credit or debit card, or the McDonald's App.

 

McDonald's isn't the only merchant that is unable to produce exact change. And meanwhile, banks are unable to order fresh pennies and are rationing pennies for their customers.

 

One convenience store chain, Sheetz, got so desperate for pennies that it briefly ran a promotion offering a free soda to customers who bring in 100 pennies. Another retailer says the lack of pennies will end up costing it millions this year, because of the need to round down to avoid lawsuits.

 

“It’s a chunk of change,” said Dylan Jeon, senior director of government relations with the National Retail Federation.

 

The penny problem started in late summer and is only getting worse as the country heads into the holiday shopping season.

 

Still, not one retailer or bank has called for the penny to stick around. Pennies, especially in bulk, are heavy and are more often than not used exclusively to give customers change. But the abrupt decision to get rid of the penny has come with no guidance from the federal government. Many stores have been left pleading for Americans to pay in exact change.

 

“We have been advocating abolition of the penny for 30 years. But this is not the way we wanted it to go,” said Jeff Lenard with the National Association of Convenience Stores.

 

President Trump announced on Feb. 9 that the U.S. would no longer mint pennies, citing the high costs. Both the penny and the nickel have been more expensive to produce than they are worth for several years, despite efforts by the U.S. Mint to reduce costs. The Mint spent 3.7 cents to make a penny in 2024, according to its most recent annual report, and it spends 13.8 cents to make a nickel.

 

“Let’s rip the waste out of our great nation’s budget, even if it’s a penny at a time,” Trump wrote on Truth Social.

 

The Treasury Department said in May that it was placing its last order of copper-zinc planchets — the blank metal disks that are minted into coins. In June, the last pennies were minted and by August, those pennies were distributed to banks and armored vehicle service companies.

 

The U.S. Mint issued 3.23 billion pennies in 2024, the last full year of production, more than double that of the second-most minted coin in the country: the quarter. But the problem with pennies is they are issued, given as change, and rarely recirculated back into the economy. Americans store their pennies in jars or use them for decoration. This requires the Mint to produce significant sums of pennies each year.

 

The government is expected to save $56 million by not minting pennies, according to the Treasury Department. Despite losing money on the penny, the Mint is profitable for the U.S. government through its production of other circulating coins as well as coin proof and commemorative sets that appeal to numismatic collectors.

 

In 2024, the Mint made $182 million in seigniorage, which is its equivalent of profit.

 

Besides American’s penny hoarding habit, a logistical issue is also preventing pennies from circulating.

 

The distribution of coins is handled by the Federal Reserve system. Several companies, mostly armored carrier companies, operate coin terminals where banks can withdraw and deposit coins. Roughly a third of these 170 coin terminals are now closed to both penny deposits as well as penny withdrawals.

 

Bank lobbyists say these terminals being closed to penny deposits is exacerbating the penny shortage, because parts of the country that may have some surplus pennies are unable to get those pennies to parts of country with shortages.

 

“As a result of the U.S. Department of the Treasury’s decision to end production of the penny, coin distribution locations accepting penny deposits and fulfilling orders will vary over time as (penny) inventory is depleted” a Federal Reserve spokeswoman said.

 

The lack of pennies has also become a legal minefield for stores and retailers. In some states and cities, it is illegal to round up a transaction to the nearest nickel or dime because doing so would run afoul of laws that are supposed to place cash customers and debit and credit card customers on an equal playing field when it comes to item costs.

 

So, to avoid lawsuits, retailers are rounding down. While two or three cents may not seem like much, that extra change can add up over tens of thousands of transactions. A spokesman for Kwik Trip, the Midwest convenience store chain, says it has been rounding down every cash transaction to the nearest nickel. That’s expected to cost the company roughly $3 million this year. Some retailers are asking customers to give their change to local or affiliated charities at the cash register, in an effort to avoid pennies as well.