I have been a teller at a bank for a year and a half now. There are a few ways one can check a $100 bill.
- Watermark
- Counterfeit marker test
- U.V. light test
- Texture (newer bills)
- Manual / Visual examination of bill
- Machine Test
The most well known is a water mark test. This is done by holding a bill up in front of a source of light to check for a hidden image. This image should be pretty clear and distinct, and not too displaced to one side.
Second, there are markers which use a special ink and can help determine currency paper vs ordinary paper (money is printed on a special paper). This is known as a counterfeit marker test. The ink will remain yellow or mustard if on a $100, or $50, but will turn dark brown on other types of paper. This is one of the quickest ways and can be seen at most retail stores.
Third, most currencies have a U.V. light feature. For the $100, a red line should be seen to the left side of the president. This can only be seen under a UV light.
Fourth, on newer blue bills there is a texture feature. Around the collar of the president if one runs there finger nail, the bill should be smooth and then the finger nail should feel a few small “bumps”
Lastly, there is a manual that most banks have on hand regarding foreign currencies, but the manual also explains visual checks for authenticity for American currency. This manual explains some of the test I mentioned here, as well visual checks detailing to look for repeated serial numbers, odd margins, clarity in printed text, clarity in print of the denomination, etc.
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