The Lucky Cat Coin Haul: My Incredible Half Dollar Discovery

You know those numismatic moments that feel like pure luck? I had one recently that still has me smiling. It all began with a routine bank run that turned into a treasure hunt reigniting my love for the hobby.

The Unexpected Bank Find

I was picking up quarter rolls for my collection backlog—something I do every few weeks. While waiting in line, I spotted a teller counting out half dollars. These rarely turn up around here, so I immediately asked if I could swap cash for them. When she agreed, I nearly danced out with what turned out to be mostly silver coins—my luckiest find in years!

Assessing the Coins

Back home, sorting through them felt like Christmas morning. Silver half dollars dominated the pile, but one made my heart race: a 1923-S Walking Liberty. At first glance, I thought it was just another worn piece, but that beautiful aged tone kept pulling me back. Here’s the breakdown:

• Most were 90% silver Walkers from the 1940s-50s
• A single 1996 half dollar (not silver, but still neat)
• The star: that 1923-S. I’d underestimated it initially—the gown wear made me think “low grade”—but the details suggest Extremely Fine condition

Turns out the ’23-S is notoriously tough to find well-struck, especially from San Francisco. Numismedia values it around $990 in XF40, meaning this could crack four figures if graded right.

Grading and Valuation Insights

This is the first coin I’ve owned that might justify professional grading. After some research, here’s what might help fellow collectors:

• ICG offers solid budget-friendly grading if you’re cost-conscious
• Not a member? Try partnering with a trusted dealer or hit major coin shows—some accept submissions without membership, though they often require five-coin minimums
• Start a “grading candidate” pile for borderline coins. When you hit a jackpot like this, you’ll be ready

I’m strongly considering grading my ’23-S—it could double its value. For now, everything’s tucked in Whitman holders (my favorite for keeping the focus on the coins).

Practical Tips for Collectors

This experience taught me a few things worth passing along:

• Always scan bank counters—treasures hide in plain sight
• Brush up on grading basics. I almost missed this coin’s potential by misjudging wear patterns
• Protect good finds immediately. One scratch can undo years of natural toning
• New to grading? Start small with economy services or piggyback on a dealer’s submission

This surprise haul has me itching to search my stored rolls. It’s a perfect reminder that in coin collecting, patience and sharp eyes can turn ordinary days into extraordinary finds.