There are 4 banks. This is my opinion…the #1 bank is Bank of America. Turns out they sold the Iraqi dinar wholesale to the next bank in the chain of command. That was JP Morgan Chase. Then they sold it retail. How many of you bought your dinars from JP Morgan Bank? Then there was a 3rd bank – Wells Fargo…they were supposed to exchange the dinar for you. They were going to make a ‘mint’…then there was a 4th bank – CitiBank. They were linked internationally with Iraqi banks…they are the bride that’s going to bring the currency back and forth at an International level.