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A local banking representative would be able to relay such info to you - the decision to maintain a specific $20 bill in circulation is based on its condition (Is there writing all over? Is it half torn?, etc). If you have a damaged bill, you can exchange it at a bank as long as you have more than half of the bill. As bills come into a bank, they decide which ones are too worn and limp to continue circulating and return them to the Federal Reserve Bank where they are destroyed. The FRB replaces them with new bills.

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16y ago
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8mo ago

A damaged US twenty dollar bill may still be usable if more than 50% of the bill is still intact, and as long as the serial number is legible. However, severely damaged bills that cannot be authenticated by a bank may need to be sent to the Bureau of Engraving and Printing for evaluation and possible replacement.

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Q: When is damaged US twenty dollar bill no longer any good?
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