I routinely convert problematic $200 BHNs to nice $500 InComm at WM NM SCO. I can burn 5 BHNs to 2 InComms in one trip (though I do it in two transactions) at 4.94 per 500 InComm. That just under 1%, which is acceptable because all my BHNs come from Office store sales, so no fee and 5% on CIC. Profit to me == 4% and an easy InComm drain to Discover/One/Serve.

Draining 200s via MO at grocery store works too and costs less, but more hassle. YMMV of course.