The night before she was scheduled to serve jury duty, Kuromi Hendricks realized the clothes she planned to wear were dirty. She couldn't find the 12 quarters required for a wash and dry at her Boston apartment building.

By 11 p.m., desperation took hold. She hopped in a $10 Uber to the only place she knew was open and might have spare change-a 24-hour cafe with a couple of arcade games. Not wanting to use the business just for their coins, she ordered a lemonade, asked for about $5 in quarters, played a few rounds of pinball, and headed home to wash.

Ms. Hendricks said.

The scarcity of spare change-brought on as people leaned on digital transactions and fewer coins circulated-has pushed the quarter-dependent to extremes. Many have spent hours trekking across their cities in search of coins they used to easily procure from local bank branches. One couple hauled four loads of laundry across several states where they could use a relative's machines. And in some buildings, the yearning for clean sweatpants has resulted in neighbors forging closer bonds.

The flow of change first slowed in the spring of 2020. Restaurants and retailers posted signs encouraging digital and credit card payments and even asked people to exchange spare coins. The problem eased toward the end of 2020 but made a comeback in March as businesses were preparing for an influx of cash transactions after vaccination rates ramped up. Around that time, coin requests from banks began to outpace deposits, according to the Federal Reserve, which provides cash to banks through its regional banks.

Now there isn't enough coin to go around, and the central bank is limiting orders on pennies, nickels, dimes and quarters.

Demand for machines equipped with digital payment capabilities has roughly doubled since the start of the pandemic, Mr. Miller said. The most popular digital payment method is an app that users load money for laundry and connects to laundry machines via Bluetooth. Washers and dryers that accept credit or debit cards are less common because they require real-time Internet connections, which can be difficult to guarantee in the basements where many laundry rooms are located.

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Coin Shortage Creates Loads of Laundry Stress(https://www.wsj.com/articles/coin-shortage-creates-loads-of-laundry-stress-quarters-change-thefed-11629209465)