Counterfeit currency shows up in communities of every size. Knowing a few quick checks — and the right next steps — helps protect you, local businesses, and our broader economy.
Start with three simple checks used by U.S. currency educators and law enforcement:
- Feel the paper. Genuine notes are printed on a cotton‑linen blend and feel slightly rough due to raised printing. If the note feels overly smooth or waxy, take a closer look.
- Tilt the note. On $10s and higher, the front‑right numeral uses color‑shifting ink that changes from copper to green as you tilt it. On the current $100, look for the 3‑D security ribbon (bells and 100s move as you tilt) and the color‑shifting bell in the inkwell.
- Check with light. Hold the note to light to find a watermark and security thread (on $5s and higher). The thread’s position varies by denomination and glows a specific color under UV light.
Tip: Don’t rely on a counterfeit‑detector pen alone. The Federal Reserve notes that pens are not always accurate; use built‑in security features to confirm authenticity.
If you suspect a counterfeit note, follow these steps:
- Do not return the bill to the person who gave it to you. It is illegal to knowingly pass counterfeit currency.
- Limit handling. Place the note in an envelope or lay it flat to protect potential evidence.
- Document details about where, when, and from whom you received the bill. If safe, jot down a brief description of the person and any vehicle information.
- Contact your local police department. As an individual, submit suspected counterfeit currency to local law enforcement. Your local bank may also assist in identifying a suspect note. Police, banks, and cash processors forward suspected counterfeits to the U.S. Secret Service.
Important: If authorities or your bank take the note, it cannot be exchanged for a real one. Counterfeit notes aren’t reimbursed, which is why prevention and quick reporting matter.
We’re here to help you compare features and guide you to the proper reporting channel. Visit your local First Interstate branch for assistance reviewing a suspect note. (Assessment occurs in person; we don’t confirm authenticity by email or social media.)
Counterfeit bills can create loss for clients and small businesses and delay deposits moving through the system. Quick checks at the counter — and timely reports to local police — reduce harm and support community trust in cash transactions.
For authentic U.S. currency features and training resources, visit the U.S. Currency Education Program. For federal guidance on reporting suspected counterfeits, see the U.S. Secret Service and Federal Reserve resources.
