The fact that you have to go to the bank to get them (vs say from the ATM), also shows that you put thought and effort into the gift. So you way of saying "thank you for giving a shit" in itself rings more true, you gave a shit about thanking someone rather than an empty "hey thanks".
Regional credit union. Whether I've been broke (or not), they've never charged for denominational straps. I do often have to "order" twos (returning a week later).