Never collected quarters, but as a young kid I collected pennies. My mother would give me 3 or 4 dollars. I would take them down to a bank, exchange them for rolls of pennies, then back up in the hills where I sat on an abandoned RR track and looked for the pennies I needed, then rolled them back up (I brought along a few to make up for any I found) and back to the bank where I changed them for the bucks to repay my mom. I eventually bought a couple, and with the exception of one WW2 copper I believe I had them all. Mounted them in a coin book, stashed them in a drawer where they were later stolen, probably by a cleaning lady. )-8