When the United States updated its high-denomination currency, the goal wasn't just aesthetic refreshment. It was a calculated defense against high-tech counterfeiting. The modernized $100 banknote introduced advanced anti-counterfeiting tools that changed how banks, businesses, and everyday cash handlers verify genuine money. If you're handling cash today, knowing these updates keeps you safe from accepting fraudulent bills.
The most striking shift in the layout is the integration of advanced optical technology directly into traditional cotton-linen paper. Unlike polymer notes used in other countries, U.S. currency sticks to its classic material blend while incorporating micro-optics that were previously impossible to mass-produce. Understanding these adjustments helps you spot fakes in seconds.
The Two Landmark Security Innovations
Two primary additions separate the modern note from its older iterations. The first is the blue 3-D Security Ribbon woven directly into the paper on the front of the note. When you tilt the bill back and forth, you'll notice the images inside the ribbon shift. Bells transform into the number 100, moving side-to-side if you tilt vertically, or up-and-down if you tilt horizontally. Because this ribbon is woven rather than printed, counterfeiters struggle to replicate its motion effect.
The second major addition is the Bell in the Inkwell. Located to the right of Benjamin Franklin's portrait, this copper-colored inkwell features a bell that changes color from copper to green when tilted. The optical illusion makes the bell appear to pop into existence or vanish entirely within the inkwell boundary.
Visual and Tactile Modifications
Beyond the headline features, several subtle layout adjustments improve security and accessibility:
- Color-Shifting Numeral 100: The large numeral in the lower-right corner of the front shifts from copper to green when the bill moves.
- Portrait Watermark: Holding the note to a light source reveals a faint image of Benjamin Franklin in the blank space to the right of the main portrait. This watermark is visible from both sides.
- Security Thread: An embedded vertical thread to the left of the portrait glows pink under ultraviolet light and displays the letters "USA" alongside the number "100".
- Raised Printing: Running your finger across Benjamin Franklin’s shoulder on the left side reveals a distinct, rough texture created by enhanced intaglio printing.
- Gold Denomination Number: A large, high-contrast gold "100" on the back assists individuals with visual impairments in identifying the note quickly.
For official verification guidelines and high-resolution visual references, check the U.S. Currency Education Program. Additional background on monetary standards is maintained by the Bureau of Engraving and Printing.
Why the Redesign Matters for Businesses
Counterfeiting techniques evolve alongside printing technology. When illicit actors use advanced scanners and commercial printers, traditional flat-ink banknotes become vulnerable. Incorporating shifting optics and tactile textures shifts the advantage back to everyday merchants.
Cash handlers don't need expensive ultraviolet machines to catch most fakes. A simple tilt and touch test—checking the ribbon movement, the inkwell color shift, and the rough shoulder texture—catches the vast majority of fraudulent notes before they enter a business register.
Frequently Asked Questions
Are older design $100 bills still legal tender?
Yes. The U.S. government doesn't demonetize its currency. All previous series of Federal Reserve notes remain fully legal and retain their full face value, regardless of their age.
Is the updated $100 bill made of plastic?
No. Despite rumors and comparisons to foreign currency, U.S. banknotes maintain their traditional composition of 75 percent cotton and 25 percent linen.
What should I do if I suspect a bill is counterfeit?
Don't put yourself in danger. If you suspect a fake, don't return it to the passer. Note their description, contact local law enforcement immediately, and reach out to your local U.S. Secret Service field office.
How can I tell if a note was printed in Fort Worth?
Look closely at the top-left corner on the front of the bill, just to the right of the numeral 100. If you see a small "FW" indicator, it was printed at the facility in Fort Worth, Texas. Absence of this letter means it originated in Washington, D.C.
