How to Get Change for a $100 Bill at the Bank

In today's modern society, cash transactions have become less common as digital payments and online banking have taken over. However, there are still situations where having physical cash on hand is necessary, such as when traveling or making small purchases. One common challenge that people often face is finding change for a $100 bill at the bank. In this article, we will explore different methods and strategies to help you get change for a $100 bill at the bank.

Understanding the Challenge

Before diving into the solutions, it is important to understand why getting change for a $100 bill can be a challenge. Banks often deal with large volumes of cash and have strict procedures in place to ensure the security of their operations. Breaking a $100 bill usually requires several steps to verify the transaction and prevent counterfeit money from entering circulation. This can create delays and additional requirements for customers seeking change for large bills.

Method 1: Visiting a Local Bank Branch

The most straightforward method to get change for a $100 bill is to visit your local bank branch. The tellers at the bank are equipped to handle cash transactions, including breaking large bills into smaller denominations. Here's how you can go about it:

  • Step 1: Locate your nearest bank branch. Most major banks have multiple branches in different locations. Use the bank's website or mobile app to find the branch closest to you.
  • Step 2: Prepare your identification documents. Banks often require customers to provide identification to ensure the legitimacy of the transaction. Carry a valid government-issued ID, such as a driver's license or passport, when visiting the bank.
  • Step 3: Queue and wait for your turn. Banks can get busy during peak hours, so be prepared to wait in line. Use this time to organize your $100 bill and any additional documents or cards you might need.
  • Step 4: Approach the teller and request change. Clearly explain that you would like to exchange your $100 bill for smaller denominations. The teller may ask for additional information or perform verification procedures before completing the transaction.
  • Step 5: Receive your changed denominations. The teller will count out the requested amount and hand it to you. Make sure to verify the accuracy of the count before leaving the counter.
  • Step 6: Thank the teller and exit the bank. Remember to express your gratitude for the service provided by the teller and leave the bank premises once you have received the change.

Method 2: ATM Withdrawal

If visiting a bank branch is not a feasible option or you prefer a more convenient method, most ATMs have the capability to dispense various denominations of cash. Here's how you can obtain change for a $100 bill using an ATM:

  • Step 1: Locate an ATM that accepts cash deposits. Not all ATMs have this functionality, so ensure that the ATM you are using allows you to deposit cash.
  • Step 2: Insert your $100 bill into the ATM. Follow the on-screen instructions to insert the bill into the designated slot or feeder.
  • Step 3: Select the desired denominations. Most ATMs offer a range of denominations for withdrawal. Choose the option that best suits your needs, such as $10 bills or $20 bills.
  • Step 4: Confirm and complete the transaction. Carefully review the withdrawal details on the screen and confirm your selection. Once confirmed, the ATM will dispense the requested denominations.
  • Step 5: Collect your cash and exit the ATM area. Take the dispensed cash and ensure that it matches the requested denominations. Leave the ATM area promptly to avoid any security risks or inconvenience to other users.

Method 3: Currency Exchange Services

If you are traveling or in an area where bank branches or ATMs are not easily accessible, currency exchange services can be a viable option. These services specialize in exchanging currencies and often have the capability to break large bills into smaller denominations. Here's how you can use currency exchange services to get change for a $100 bill:

  • Step 1: Research reputable currency exchange services. Look for well-established providers in your area or destination. Check online reviews and customer feedback to ensure their reliability and trustworthiness.
  • Step 2: Locate the nearest currency exchange service. Use online maps or directories to find the closest service provider. Make note of their operating hours and any additional requirements they may have.
  • Step 3: Visit the currency exchange service. Bring your $100 bill and any identification documents that might be required. Be prepared to provide additional information if necessary.
  • Step 4: Request change for your $100 bill. Approach the service representative and clearly explain that you would like to exchange your $100 bill for smaller denominations.
  • Step 5: Complete the transaction and collect your changed denominations. The service representative will process your request and provide you with the requested cash. Verify the denominations and count before leaving the premises.

Frequently Asked Questions (FAQs)

  • Q: Can I get change for a $100 bill at any bank? A: Most banks will accept $100 bills and provide change. However, it is advisable to contact your bank or check their policies online to ensure availability and any specific requirements.

  • Q: Are there any fees for getting change for a $100 bill? A: Banks and some currency exchange services may charge a nominal fee or commission for breaking larger bills. It is recommended to inquire about any potential fees before proceeding with the transaction.

  • Q: Can I get change for a $100 bill at a grocery store? A: Some grocery stores may provide change for large bills, but it is not guaranteed. It is best to check with the specific store beforehand or explore alternative options such as banks or ATMs.

  • Q: What denominations can I expect when getting change for a $100 bill? A: The denominations you receive will depend on the availability at the bank or currency exchange service. However, common denominations include $5, $10, $20, and occasionally $50 bills.

  • Q: Can I get change for a $100 bill online? A: Online banking platforms typically do not offer physical cash withdrawal or change services. However, some digital wallet services may allow you to transfer funds to another user who can provide smaller denominations in exchange for your $100 bill.


While obtaining change for a $100 bill may not be as straightforward as it once was, there are still multiple options available to fulfill this need. By visiting a local bank branch, using an ATM, or utilizing currency exchange services, you can easily obtain smaller denominations for your convenience. Remember to be prepared with identification documents and necessary information to ensure a smooth and secure transaction.

24 October 2023
Written by John Roche