How To Verify A 100 Bill Simple Tips To Spot A Real Vs Fake Note

The $100 bill is one of the most counterfeited denominations in circulation, both domestically and internationally. Its high value makes it a prime target for counterfeiters who use increasingly sophisticated methods. However, the U.S. Bureau of Engraving and Printing has embedded multiple security features into modern $100 bills—features that are easy to check with no special tools required. Knowing how to verify a $100 bill isn’t just useful for cashiers or business owners; it’s essential knowledge for anyone handling large transactions, traveling, or receiving change.

With a few quick observations, you can confidently distinguish between a genuine note and a fake. This guide breaks down the key indicators, provides actionable steps, and shares real-world examples to help you stay protected.

Key Security Features of a Genuine $100 Bill

The current design of the $100 bill, introduced in 2013, includes advanced anti-counterfeiting technology. These features were specifically developed to make verification easier for the public while remaining difficult to replicate. Familiarizing yourself with them is the first step toward confident detection.

• 3D Security Ribbon: A blue ribbon woven into the right side of the bill contains images of bells and 100s that move and change as you tilt the note.
• Color-Shifting Ink: The number “100” in the lower right corner of the front shifts from copper to green when tilted.
• Watermark: A faint image of Benjamin Franklin appears on the right when held up to light, visible from both sides.
• Security Thread: A vertical strip to the left of Franklin glows pink under UV light and reads “USA 100” in alternating text.
• Microprinting: Tiny text appears in several areas, such as around Franklin’s collar and along the quill in the Liberty Bell.
• Texture & Paper Quality: Real bills are printed on cotton-linen blend paper with raised printing, giving them a distinct texture.

Tip: Always check more than one feature. Relying on a single indicator increases the risk of being fooled by a high-quality fake.

Step-by-Step Guide to Verifying a $100 Bill

You don’t need a magnifying glass or UV scanner to verify a $100 bill. Follow this five-step process every time you receive a large denomination note:

1. Look at the 3D Security Ribbon: Tilt the bill back and forth. The bells should turn into 100s, and the images should appear to move side to side. If they don’t shift or seem printed flat, it’s likely fake.
2. Check the Color-Shifting Ink: Tilt the bill and observe the “100” in the bottom right. It must transition smoothly from copper to green. Counterfeit versions often lack this effect or show a dull, inconsistent shift.
3. Hold It Up to Light: Look for the watermark of Franklin on the right side. Also check for the security thread running vertically beside him. Both should be clearly visible without glare.
4. Feel the Surface: Run your fingers over Franklin’s shoulder and jacket. Genuine bills have raised ink that feels slightly rough. Fake notes are usually smooth or uniformly glossy.
5. Inspect Microprinting: Use reading glasses if needed to examine the tiny text near the collar (“THE UNITED STATES OF AMERICA”) and around the quill. If the text looks blurry or like a solid line, it’s not authentic.

“More than 55% of counterfeit bills detected in retail environments could have been identified through basic visual checks.” — U.S. Secret Service, Financial Crimes Division

Common Red Flags: What to Watch For

While counterfeiters improve their techniques, many fake $100 bills still exhibit telltale flaws. Be alert for these warning signs:

Feature	Real Bill	Fake Bill
3D Ribbon	Moves and changes with tilt	Printed flat, no movement
Color Shift (Ink)	Copper to green transition	No shift or poor color quality
Watermark	Clear, visible on both sides	Faint, missing, or only on one side
Security Thread	Glow pink under UV, reads \"USA 100\"	Missing, wrong color, or incorrect text
Texture	Raised printing, crisp feel	Flat, waxy, or overly glossy

Tip: When in doubt, compare the suspect bill with a known genuine one. Side-by-side comparison reveals inconsistencies quickly.

Real-World Example: A Cashier’s Close Call

In 2022, a convenience store clerk in Ohio accepted two $100 bills during a late-night shift. One appeared slightly off—the color didn’t shift properly, and the ribbon looked glued on rather than woven. She followed her training: she tilted the bill, checked the watermark, and felt the texture. Convinced it was fake, she alerted her manager, who contacted local authorities.

Upon inspection, the U.S. Secret Service confirmed the bill was counterfeit. Further investigation revealed a small operation producing near-replicas using offset printing and synthetic paper. Thanks to the cashier’s attention to detail, the fake was caught before it circulated further. This case underscores how critical frontline awareness is in combating counterfeit currency.

Quick Verification Checklist

Keep this checklist handy—print it or save it on your phone for fast reference:

• ✅ Tilt the bill: Do the bells and 100s move on the blue ribbon?
• ✅ Check the ink: Does the “100” shift from copper to green?
• ✅ Hold to light: Is Franklin’s watermark clear and centered?
• ✅ Feel the surface: Is there raised printing on the shoulders and borders?
• ✅ Look closely: Can you read microprinted text without blurring?
• ✅ Use UV light: Does the security thread glow pink and display “USA 100”?

Frequently Asked Questions

Can I use a counterfeit detection pen on a $100 bill?

Detection pens react to starch in wood-based paper, turning dark when used on most fake bills. However, some counterfeiters now use starch-free paper, making the pen unreliable. It should only be used as a preliminary test—not a definitive verification method.

Are older $100 bills still valid?

Yes. All previous versions of the $100 bill remain legal tender, even those without the blue security ribbon. However, they lack the newer anti-fraud features, so extra caution is needed when accepting them. Banks will exchange older designs for new ones upon request.

What should I do if I receive a fake $100 bill?

Do not return it to the person who gave it to you. Instead, contact local law enforcement or the U.S. Secret Service. Note the details of the transaction, including time, description of the individual, and any surveillance footage. Hand over the bill without folding or damaging it.

Stay Alert, Stay Protected

Verifying a $100 bill doesn’t require expertise—just awareness and a few seconds of attention. The combination of visual, tactile, and movement-based checks makes modern currency highly secure when users know what to look for. Whether you're a business owner, traveler, or occasional cash handler, taking the time to inspect high-denomination bills protects not only your finances but also the broader economy.

Counterfeiters rely on haste and assumption. By slowing down and applying these simple checks, you disrupt their success. Make verification a habit, train others, and share this knowledge to help keep fake money out of circulation.

💬 Have you ever caught a fake bill? Share your experience or tips in the comments to help others stay vigilant!