Real Or Fake? How To Check A $100 Bill

Is that Ben Franklin staring back at you from a crisp $100 bill, or is it a counterfeit? Counterfeit money is a serious problem, but with a few simple checks, you can easily verify the authenticity of your hundred-dollar bills. This guide will walk you through the key security features to look for, ensuring you can confidently distinguish a genuine bill from a fake. So, let's dive in and learn how to protect yourself from counterfeit currency!

Method 1: Examining the Bill's Security Features

When it comes to protecting yourself from counterfeit currency, understanding the security features embedded in modern U.S. banknotes is your first line of defense. These features are meticulously designed and integrated into the bills to make replication incredibly difficult for counterfeiters. By carefully examining these elements, you can quickly and confidently determine whether a $100 bill is genuine. Let's delve into the specific security features you should be looking for.

1. Feel the Paper and Texture

One of the most immediate ways to get a sense of a bill's authenticity is by simply feeling the paper. Genuine U.S. currency is printed on a special blend of cotton and linen fibers, not wood pulp like regular paper. This unique composition gives the bills a distinct feel – a slightly rough, almost textured surface. Run your fingers across the bill; it should feel different from the smooth, slick surface of typical printer paper. Counterfeiters often struggle to replicate this specific texture, as the paper is not readily available and requires specialized equipment to produce. In addition to the paper itself, the ink used in printing genuine bills is raised, giving the printed areas a slightly raised feel to the touch. This is particularly noticeable on the portrait and the numerals. If the bill feels too smooth, flimsy, or lacks that slightly raised print, it's a major red flag. Remember, the genuine article has a very specific tactile quality, and learning to recognize this feel is a crucial step in spotting fakes. Don't underestimate the power of touch when checking your money; it's often the first and most reliable indicator of authenticity.

2. Check the Watermark

The watermark is a subtle yet powerful security feature embedded within the paper of the $100 bill. It's essentially an image that's created during the paper-making process by varying the thickness of the paper fibers. When you hold the bill up to a light source, the watermark becomes visible, revealing a faint image that corresponds to the portrait on the bill. For the redesigned $100 bill, the watermark is a duplicate image of Benjamin Franklin. This watermark should be visible from both sides of the bill and should be clear and distinct, not blurry or ill-defined. Counterfeiters often attempt to replicate watermarks, but their efforts usually fall short. Fake watermarks may appear smudged, poorly detailed, or even printed onto the bill rather than embedded within the paper itself. To check the watermark, hold the bill up to a light and look for the faint image of Franklin. If the watermark is missing, unclear, or doesn't match the portrait, it's a strong indication that the bill is counterfeit. This simple test is a quick and effective way to verify the authenticity of your currency.

3. Examine the Security Thread

Embedded within the fabric of the $100 bill is a security thread, a thin, vertical strip that runs from top to bottom. This thread is not printed on the bill; it's woven into the paper itself, making it much harder for counterfeiters to replicate. When you hold the bill up to a light source, the security thread becomes clearly visible as a solid line. On the redesigned $100 bill, this thread is positioned to the left of Benjamin Franklin's portrait. But the security thread isn't just a line; it also contains microprinted text. On the $100 bill, the thread features the letters “USA” followed by the denomination “100.” This microprinted text is extremely small and requires magnification to see clearly, adding another layer of security. Counterfeiters often struggle to replicate this intricate detail. To check the security thread, hold the bill up to the light and locate the vertical line. Then, look closely for the microprinted text. If the thread is missing, misaligned, or lacks the microprinting, it's a major warning sign. Additionally, the security thread in a genuine $100 bill will glow pink under ultraviolet (UV) light. This is a quick way to verify the bill's authenticity using a UV light source, which many businesses use to check larger denominations. The security thread is a vital element in the bill's defense against counterfeiting, and knowing how to check it is crucial.

4. Inspect the Color-Shifting Ink

One of the most visually striking security features on the redesigned $100 bill is the color-shifting ink. This special ink is used on the numeral “100” in the lower right corner on the front of the bill and on the inkwell to the right of Franklin's portrait. When you tilt the bill, the color of this ink will appear to change. On the $100 bill, the numeral “100” shifts from copper to green, while the inkwell transitions in a similar fashion. This color-shifting effect is created using specialized inks that contain microscopic metallic particles. These particles reflect light differently depending on the angle of view, resulting in the color change. Counterfeiters often struggle to accurately replicate this effect. They may use inks that change color slightly, but the transition is usually not as dramatic or precise as on a genuine bill. To check the color-shifting ink, simply tilt the bill back and forth and observe the numeral “100” and the inkwell. The color change should be noticeable and distinct. If the color doesn't shift, or if the change is weak or blurry, the bill could be a fake. This feature is an easy way to quickly verify the authenticity of a $100 bill in everyday transactions.

5. Look for Microprinting

Microprinting is a sophisticated security feature that involves printing tiny, detailed text that is difficult to see with the naked eye but becomes clear under magnification. This microprinting is incorporated into various areas of genuine U.S. currency, including the $100 bill, and serves as a deterrent to counterfeiters because it's challenging to reproduce accurately. On the redesigned $100 bill, you can find microprinting in several locations. There's microprinting around the portrait of Benjamin Franklin, along the gold quill on the front of the bill, and within the borders. The text is incredibly small, often requiring a magnifying glass to read clearly, but it's crisp and well-defined on genuine bills. Counterfeiters may attempt to replicate microprinting, but their efforts often result in blurry, illegible text. The fine details are typically lost in the reproduction process. To check for microprinting, you'll need a magnifying glass. Examine the areas mentioned above and look for the tiny text. The text should be sharp and clear, not smudged or fuzzy. If the microprinting is missing or poorly executed, it's a sign that the bill might be counterfeit. This feature, while requiring a bit more effort to check, is a reliable indicator of authenticity.

6. Check the Serial Numbers

Every genuine U.S. banknote has a unique serial number, a combination of letters and numbers that serves as an identifier. These serial numbers are printed on the front of the bill in two locations, and they are crucial for tracking and verifying currency. On the $100 bill, the serial numbers are located in the upper left and lower right corners. These numbers should be unique to each bill of the same series and denomination. This means that no two genuine $100 bills from the same series year will have the same serial number. The serial numbers should also be evenly spaced and clearly printed, with the ink matching the color of the Treasury Seal. Counterfeiters sometimes make mistakes when replicating serial numbers, such as using the same number on multiple bills or printing them with inconsistent spacing or font. To check the serial numbers, first, make sure that the two numbers on the bill match exactly. Then, compare the serial number to other $100 bills you have. If you encounter two bills with the same serial number, one of them is definitely a fake. Also, look closely at the printing quality. The numbers should be crisp and well-defined, not blurry or smudged. Any inconsistencies in the serial numbers are a red flag and warrant further investigation. Serial numbers are an essential part of a bill's identity, and carefully checking them can help you spot counterfeits.

7. Compare to a Known Genuine Bill

One of the most effective ways to verify the authenticity of a $100 bill is to compare it to a bill that you know is genuine. This side-by-side comparison allows you to easily identify any discrepancies or inconsistencies that might indicate a counterfeit. When comparing bills, pay close attention to several key features. First, examine the colors and clarity of the printing. Genuine bills have sharp, vibrant colors and crisp details. Counterfeit bills often have dull or washed-out colors and blurry lines. Next, compare the portraits and other printed elements. The details should be clear and well-defined on both bills. Look for any differences in the quality of the engraving or the fineness of the lines. Also, feel the paper of both bills. The texture should be the same – slightly rough and textured, not smooth and slick. Compare the size of the bills as well. While counterfeiters are getting better at replicating the size of currency, subtle differences can sometimes be detected. Place the bills side by side and check if they are the exact same dimensions. Finally, check the security features, such as the watermark, security thread, and color-shifting ink, on both bills. Ensure that these features are present and consistent across both bills. By comparing a suspect bill to a known genuine one, you can quickly identify subtle differences that might not be apparent otherwise. This method is a valuable tool in your arsenal against counterfeit currency.

Method 2: Using Technology to Verify

In today's world, technology offers several ways to enhance our ability to detect counterfeit currency. While carefully examining the physical security features of a $100 bill remains essential, leveraging technology can provide an extra layer of assurance. From simple UV lights to sophisticated counterfeit detection devices, these tools can help you confidently verify the authenticity of your money. Let's explore some of the most effective technological methods.

1. Use a UV Light

One of the simplest and most effective technological tools for detecting counterfeit currency is a UV (ultraviolet) light. Genuine U.S. banknotes incorporate a security thread that glows under UV light, providing an easy way to verify authenticity. On the $100 bill, the security thread glows pink when exposed to UV light. This is because the thread is made of a special material that fluoresces under UV illumination. Counterfeiters often struggle to replicate this feature accurately, as the specific materials and printing techniques are not readily available. To use a UV light, simply hold the bill under the light source in a dimly lit environment. The security thread should immediately glow pink if the bill is genuine. If the thread is missing, doesn't glow, or glows a different color, it's a strong indication that the bill is counterfeit. UV lights are relatively inexpensive and widely available, making them a practical tool for businesses and individuals alike. Many businesses, especially those that handle large amounts of cash, use UV lights as a standard practice for checking currency. Incorporating a UV light into your routine for verifying $100 bills can significantly reduce your risk of accepting fakes.

2. Counterfeit Detection Pens

Counterfeit detection pens, also known as counterfeit marker pens, are a quick and inexpensive way to screen for fake currency. These pens work by detecting the presence of starch in the paper. Genuine U.S. currency is printed on a special blend of cotton and linen fibers, which do not contain starch. Counterfeit paper, on the other hand, is often made from wood pulp, which does contain starch. The pen contains an iodine solution that reacts with starch, causing it to turn a dark brown or black color. To use a counterfeit detection pen, simply make a small mark on the bill. If the mark stays light yellow or clear, the bill is likely genuine. If the mark turns dark brown or black, the bill is likely counterfeit. While counterfeit detection pens are a convenient tool, they are not foolproof. Some counterfeiters have found ways to treat counterfeit paper to prevent it from reacting with the pen's solution. Additionally, the pens can sometimes give false positives if the bill is dirty or has been treated with certain chemicals. For this reason, counterfeit detection pens should be used as an initial screening tool, but should not be the sole method of verification. If a bill passes the pen test but still seems suspicious, it's important to use other methods, such as examining the security features or comparing it to a known genuine bill. Despite their limitations, counterfeit detection pens can be a useful addition to your counterfeit detection toolkit.

3. Use a Counterfeit Money Detector Machine

For businesses that handle large amounts of cash, counterfeit money detector machines offer a more advanced and reliable way to verify currency. These machines use a combination of technologies to detect counterfeit bills, including UV light, magnetic ink detection, infrared sensors, and microprinting analysis. Some machines can even analyze the paper composition and serial numbers. Counterfeit money detector machines are designed to quickly and accurately identify fake bills, reducing the risk of financial losses. They are particularly useful in high-volume environments where manual inspection of every bill is impractical. These machines vary in complexity and price, with some models offering additional features such as bill counting and sorting. To use a counterfeit money detector machine, you simply feed the bill into the machine, and it will analyze the bill's security features. The machine will then indicate whether the bill is genuine or counterfeit, often displaying a warning message or rejecting the bill if it's a fake. While counterfeit money detector machines represent a significant investment, they can provide a high level of security and peace of mind, especially for businesses that handle a lot of cash transactions. They are a valuable tool in the fight against counterfeit currency.

Method 3: What to Do If You Suspect a Bill Is Fake

Discovering a potentially counterfeit $100 bill can be unsettling, but knowing how to react appropriately is crucial. The steps you take can not only protect yourself from financial loss but also help law enforcement agencies combat counterfeiting operations. It's essential to handle the situation with care and follow the proper procedures. Here's what you should do if you suspect a bill is fake.

1. Do Not Return It to the Passer

If you suspect that a $100 bill you've received is counterfeit, the most important thing to remember is do not return it to the person who gave it to you. This might seem like the polite thing to do, but it can actually hinder investigations and allow the counterfeit money to continue circulating. Returning the bill gives the passer an opportunity to use it again elsewhere, potentially victimizing someone else. Additionally, confronting the passer directly can be dangerous, as you don't know their intentions or how they might react. Instead of returning the bill, try to delay the person if possible while you discreetly assess the situation and gather information. This might involve asking for another form of payment or explaining that you need to verify the bill's authenticity. Your primary goal is to secure the suspect bill without putting yourself or others at risk. Remember, handling the situation calmly and strategically is key to preventing further circulation of counterfeit money and aiding law enforcement efforts.

2. Delay the Passer If Possible

Delaying the person who gave you the suspected counterfeit bill can provide valuable time to assess the situation and gather information without raising suspicion. This doesn't mean you should physically detain them, which could lead to legal issues or put you in harm's way. Instead, use subtle tactics to prolong the transaction. For example, you could politely explain that you need to verify the bill's authenticity or that you require a manager's approval for large bills. You might also ask for another form of payment while you discreetly examine the bill further. The goal is to buy yourself time to observe the passer, note any identifying characteristics, and potentially alert the authorities. Pay attention to their demeanor, clothing, and any other distinguishing features. If you're in a business setting, you might have security cameras that can capture their image. While delaying the passer, try to remain calm and avoid making accusations. Keep the conversation neutral and polite to prevent them from becoming suspicious or agitated. Remember, your safety and the safety of others are paramount. Delaying the passer should be done in a way that minimizes risk and maximizes the opportunity to gather information. This information can be crucial for law enforcement in tracking down counterfeiters and preventing further crimes.

3. Observe the Passer's Description

While you're delaying the person who presented the potentially counterfeit bill, it's crucial to carefully observe and memorize their description. This information can be incredibly valuable to law enforcement in their investigation. Try to notice as many details as possible, including their gender, race, approximate age, height, and weight. Pay attention to their clothing – the style, color, and any distinctive features. Note any accessories they might be wearing, such as hats, glasses, jewelry, or bags. Look for any distinguishing characteristics, such as tattoos, scars, or birthmarks. Their facial features are also important to remember, including the shape of their face, the color of their eyes and hair, and any unique aspects of their nose or mouth. If they have any facial hair, take note of its style and color. Also, try to remember their voice and any accent they might have. If they were traveling in a vehicle, try to note the make, model, color, and license plate number. The more details you can recall, the better the chances of identifying the passer. As you're observing, try to be discreet and avoid making it obvious that you're scrutinizing them. Jot down your observations as soon as possible after the encounter, as memories can fade quickly. This detailed description can be a critical piece of evidence in the fight against counterfeiting.

4. Contact the Authorities

Once you've secured the suspected counterfeit bill and gathered as much information as possible about the passer, your next crucial step is to contact the authorities. This ensures that the bill is properly examined and that law enforcement can investigate the source of the counterfeit currency. In the United States, you should contact your local police department or the United States Secret Service. The Secret Service is the primary federal agency responsible for investigating counterfeiting crimes. You can find the contact information for your local Secret Service field office on their website. When you contact the authorities, provide them with all the information you've gathered, including a description of the passer, the circumstances under which you received the bill, and any details about the bill itself that made you suspicious. Be prepared to turn over the suspected counterfeit bill to the authorities as evidence. They will likely ask you to fill out a report detailing the incident. It's important to cooperate fully with the investigation and provide accurate information. Contacting the authorities is not only the right thing to do, but it also protects you from potential legal repercussions. Knowingly passing a counterfeit bill, even if you didn't realize it was fake, can be a crime. By reporting the incident, you demonstrate that you had no intention of circulating counterfeit money. Reporting suspected counterfeit currency is a civic duty that helps protect the integrity of our financial system.

5. Handle the Bill Carefully

When dealing with a suspected counterfeit $100 bill, it's essential to handle the bill carefully to preserve any potential evidence. This means minimizing the amount of contact you have with the bill and avoiding any actions that could damage it. Do not attempt to clean the bill, write on it, or apply any tape or adhesive. These actions can compromise the integrity of the bill and make it more difficult for law enforcement to analyze it for forensic evidence. Ideally, you should place the bill in a protective envelope or plastic bag to prevent further contamination or damage. This will also help maintain the chain of custody if the bill needs to be used as evidence in a criminal investigation. When you hand the bill over to the authorities, inform them that you have handled it carefully and taken steps to preserve its condition. This will assure them that the bill has not been tampered with. Handling the bill carefully is a simple but crucial step in ensuring that law enforcement has the best possible chance of tracing the counterfeit currency back to its source. Remember, the bill is not just a piece of paper; it's potential evidence in a federal crime, and it should be treated with respect.

By understanding these methods and taking the necessary precautions, you can confidently check if a $100 bill is real and protect yourself from becoming a victim of counterfeit currency. Stay vigilant, and remember that your awareness is the best defense!