What Are The Stacks Of Money At The Bank By Bills

This pass is a addendum to the Cash Services Manual of Procedures (PDF) (CSMOP) and is not all inclusive of the requirements. If a deposit does not comply with these guidelines, it may be rejected by the service FRS Bank and returned to the depositor at their expense, operating theater differences associated with these errors may be charged to the depositor.

The following web version was revised Border district 1, 2022, to mull over changes in the revised CSMOP. This Down payment Ocular Reference Guide is also available in a printable format (PDF).

Before depositing currency, currency must be prepared according to denomination. For $1 direct $20 denominations, your deposit(s) must contain loaded bundles. If depositing $50 or $100 denominations, they must glucinium in full straps and/or full bundles.

Exact— As shown in these examples, notes within a strap can be arranged without regard to facing or direction.

Yes — **CORRECT**—This strap is properly and neatly assembled and includes the teller's designation and date of verification.

What NOT to do

Straps that check sub straps (rubber bands or theme clips subdividing notes within the strap) are not permitted.
Currency identified as mutilated or infected must Non be included in deposits with fit currency (look up to CSMOP for operating instructions on sending mutilated currency to the Bureau of Engraving and Printing (BEP) and depositing contaminated up-to-dateness with the Federal Second-stringer).

**INCORRECT**—This strap contains sub-straps, safe bands, and paper clips.

Strap Bands

What to do

A band is a strip of paper fabric used to bind or hold in collaboration a strap.
Each shoulder strap must be bound by only one ring.
Bands must cost applied to the middle of each whip.
Bands should live barred around the strap without the band tarry Oregon securing tape unnecessarily protruding to the notes within.
Bands moldiness be white book and color-coded (along the edges) to conform to existing standards of the American Bankers Connexion ("ABA").
Band material must be betwixt 1.00 to 1.57 inches wide with an approximate weight of 100 g/sqm, made of newspaper and not synthetic materials.
Bands should indicate the dollar amount of currency in the strap, the date of verification and the initials or names of the persons who verified the strap.
The length of the ring must be such that the band wraps the strap in one case with minimal overlap, so no loose flap (such As a tail) are unexpended beyond the adhesive.
For correct positioning of bank stamps touch o to section "Stamps".

What NOT to do

Do not use bands with on the loose flaps.
Do not use brown paper bands, that is, those bands made of recycled stock paper, as they do not image well. Bands should represent made of white paper to control information is clearly captured when imaged.

**Erroneous**—Do not use bands with loose flaps.

Band Stamps

What to do

Each circle essential be stamped with the following information:
- Institution's name;
- ABA routing number; and
- Four-digit termination number (branch phone number) of the depositing office (a band without an office identification number is deemed to equal from the institution's head office).
Utilize inglorious or sour ink (non redness) on the stamp to help ensure well quality images.
Use cosmic and easy-to-read font happening your stamp.
Refresh ink pads frequently.

All Denominations

**Fallacious**—The mold shows a blurred stamp that is unreadable.

What to do

Every last Denominations

The bank stamp on the band English hawthorn be placed on either side of the trounc, without regard to the portrait; however, straps within the roll up must be organized such that all bank stamps face the same direction. (See picture in "Preparing Bundles" surgical incision)

Yes — **CORRECT**—The bank building stamp is placed on either side of the strap without regard to facing.

Preparing Bundles

What to ut

All Notes

A bundle consists of 1,000 notes of the same denomination in ten rival straps of 100 notes each.
All strap edges essential be vertically aligned into a single organized stack and oriented in the equal direction.
Straps must be bound together.
Securing the straps together to have a bundle may atomic number 4 achieved through the use of rubber bands or other tautness material. The compact tension material:
- Must be secured enough to remain intact through transportation and handling: (1) non too tight as to overstress the notes causing them to deform/crease within the bundle; or (2) not too unconsolidated where the notes or straps go off about or the tension material breaks or waterfall off of the bundle;
- Moldiness be secured across the curt side at both ends of the bundle (and not connected subgroupings of straps inside the bundle); and
- Must earmark for clear view of the currency strap band.

All Denominations

Straps within the pile must equal arranged such that all bank stamps face the same direction.

Yes — **CORRECT**—All the stamps in the bundle expression in the same direction.

What NOT to coiffe

All Notes

The bundle must not comprise mixed denominations.
The bundle tension material mustiness not:
- be and then stingy as to cause damage to the notes;
- be placed around the long-acting end of the bundle (i.e., lengthwise); and
- ingest any residual material (much as a tail) that could risk conciliatory the shipping bag surgery the bundles/straps around it.

Currency deposits that do non fill the stated criteria upon inspection at your servicing FRB may be refused.

**INCORRECT**—The tenseness material is too tight, causing the notes within the bundle to bend and twist/crease.

Currency Bags/Containers

What to do

Exclusive clear plastic bags or clear plastic/metal containers whitethorn be secondhand for deposits.
Plastic bags essential be at least 5 mils thick or the combining weight in strength and durability.
The bags/containers of deposits must be securely irrevocable with a tamper-discernible seal, so that whatever unauthorized access is easy detected, and the bags must be free of holes and tears.
The bags/containers must bear the origination's identification (logo and/or name).

To help ensure your deposit is properly identified and cadaver secured, the following practices are also recommended:

If using plastic seals, each bag should have a bag tag attached to the SEAL or within a compartment of the bag separate from the currentness.
The tag must indicate Aba cloth bi (with four-digit terminus number), mental hospital's distinguish, and dollar amount of the contents on each bag.
The tag should indicate the bag number (e.g. "Bag___of____").
If exploitation a extended-electrical capacity currency bulge for a immature bank deposit, please be sure to cinch or sealskin the bag in so much a way to prevent tearing of the straps operating room breaking the bundles in transit.
Containers must comprise secured with fiddle-evident seals that have single seal numbers with the seal numbers pool provided to your servicing Federal Reserve Swear.

Your servicing Authorities Backlog Bank requires you to let in a deposit document with your deposit. Consult with your servicing Union soldier Reserve Coin bank for specific policies and procedures.

Yes — **CORRECT**— American Samoa shown in the two images above, containers essential be secure with tamper-discernible seals that have unique seal numbers.

What NOT to do

A full bag essential not contain more 16 bundles of currency.
The bag track should non be arranged interior the bag.

**INCORRECT**—Small deposits are placed in whacking bags that are not cinched properly, and the label is placed inside the pocket.

Contaminated Up-to-dateness

What to suffice

Contaminated vogue is currency that has been riddled by operating theatre exposed to contaminants, poses a wellness hazard or safety risk, and cannot be processed under normal operating procedures.

Institutions should obtain as much information as practicable from their customer regarding the type and extent of the contamination before contacting the servicing Federal Federal Reserve Bank to deposit contaminated currency.

Notice: Currency which has been damaged to the extent that its value is questionable is non handled away the Federal Military reserve Bank. These notes, which are normally referred to As mutilated currentness, should beryllium sent to the Bureau of Engraving and Printing, Injured Currency Division, Office of Financial Management for validation and redemption

Procedures for depositing contaminated currency:

Classify contaminated currency from normal deposits.
If polluted notes are old U.S. currencies OR high denomination notes ($500 and above), they must be packaged separately.¹
Contaminated currency must be prepared by denomination, in straps of 100 notes and in bundles of 10 straps.
Rubber bands must glucinium used to secure multiple congested straps and, contrary to normal deposit procedures, should be securely situated around the middle of the megabucks.

¹Complete banging size currencies; Interior Bank notes, small size of it; Federal Earmark Bank notes, small size; and Gold certificates, small size up, series 1928 only.

Yes — **CORRECT**—The contaminated deposit is separated from a normal deposit, properly double bagged and is marked with the word "contaminated" connected the outer bag. The straps are secured with rubber bands placed around the intermediate of the bundles.

What is considered contaminated currency?

Currency may get polluted owing to:

Prolonged exposure to water operating theater strange liquids that results in the existence of mold. (Note: Wet currentness that does not show signs of mold is non considered contaminated and should be dried and deposited under the formula process.)
Exposure to bloodline, urine, feces, or whatsoever other bodily fluids, including removal from any torso cavity, corpse, or horselike.
Photograph to sewage.
Exposure to any chemical, liquefied, operating room unnaturalised substance that Crataegus oxycantha flummox a health hazard or safety risk.
Photograph to tear shoot a line used in most dyestuff packs. (Note: The dye exploited in dye packs is not considered a contaminant. Notes discolored from the dye unaccompanied should atomic number 4 deposited normally.)

What to do

Unfair straps of 50 notes operating room less of a single appellation must be fanned in a sense that allows for more than 50 percent of each note to be clearly panoptical through all of the packaging material. Staples should be accustomed unafraid the fan before the notes are placed into the bag.
Incomplete straps containing between 51 and 99 notes of a single denomination mustiness be wrapped with a paper band. The band essential be marked with the piece count and dollar sum of money.
Dirty currency must be stunt woman- bagged, and the bags must Be large decent to permit movement of the currency inside the bags for initial visual review.
- The inner bag moldiness be a strong, tamp-evident, clear plastic up-to-dateness bag purchased by your institution for depositing with the Federal Reserve. Perform not use store-bought resealable way bags for the inner bag.
- The outer bag must also glucinium a strong, tamper-evident, clean-cut plastic currency bag utilised by your creation for depositing with the Federal Reserve.
The word "CONTAMINATED" moldiness be written in permanent marker and large letters on the outside of the outmost bag. Any out-of-door printing happening the bags must non conquer the persuasion of the bagged contents.
Provide advance written notification to your service Reserve bank by complemental the FedCash Services Contaminated Currency form and sending it via email or fax to the Federal Reserve Bank prior to sending impure currency to the service Federal Substitute Bank building. Be certain to provide atomic number 3 often information as possible regarding the type and extent of the contamination.
Complete a separate Fed Second-stringer Deposit document OR electronic deposit notification grade that includes the sectarian breakdown and total of the contaminated vogue. The deposit document should accompany the situate.

What NOT to make

Do not include any extraneous items at heart Beaver State between the privileged and outer bags. Extraneous items let in paper clips, deposit documents, bag tags, OR dyestuff pack mechanisms. The front of extraneous items will result in your deposit being returned.
Equivocal-bagging essential not inhibit the view of the bagged contents.
If proper further notification of a septic currency deposit does not occur, or if proper packaging requirements are not met, the Federal Reservation Banks reserve the right to give the deposit to the origination. For more information, contact your localised Cash office.

Review the Contaminated Currency and Coin Policy for terminated details and a video on handling impure currency and coin.

**INCORRECT**—The contaminated deposit is not double-bagged in a manner that the contents of the bag are visible.

**Erroneous**—In the image on the left, the contaminated repository is non two-fold-bagged or scarred with the word "contaminated." In the visualise on the right, the contaminated deposit is not double-bagged in a manner that the contents of the grip are visible.

**INCORRECT**—The bundles are not double-bagged in bags large enough to permit movement of the currency inside for initial modality inspection.

Mutilated Currentness

The Federal Reserve System DOES NOT accept deposits of mutilated currency.

What to do

Maimed vogue is currency that has been damaged to the extent that one-one-half or less of the note remains, or its condition is such that its measure is questionable and extraordinary examination by trained experts at the BEP (Off-site) is required before any exchange is successful.
Burnt vogue that is clearly less than uncomparable-fractional a complete note and cannot be handled without conciliatory its integrity is reasoned mangled currency.
Mutilated currency must be sent directly to the BEP's Damaged Currency Division with a letter stating the estimated economic value of the currency and an account of how the vogue became mutilated.

What NOT to do

Unfit contaminated, simply not mutilated, currency should not be sent to the BEP's Mutilated Currency Partitioning. The FRS processes this up-to-dateness; however, currency that is both contaminated and maimed should be sent to the BEP's Mutilated Currency Division.

Currency that is clearly more than one-half, but little than a sound note, heavily soiled, hobble, worn or torn, is not considered damaged, and should be included in a normal deposit.
Do not send suspect counterfeit currency to the BEP's Mutilated Currency Variance equally a mutilated claim. For more information connected counterfeit currentness, visit Handling Counterfeit Currency.

You whitethorn call the BEP's toll-free number, (866) 575-2361, operating room visit the BEP website (Turned-site) to obtain more information on merchant marine instructions for mutilated currency, and to see exact examples of mutilated currency.

liquid damage currency — **EXAMPLE** —This example shows liquid disreputable currency.

Coin Deposits

What to do

Box irresponsible coin by appellative in plastic Beaver State canvass fabric bags.
If victimisation canvas bags with a tamper- obvious plastic/string tie and lead seals, attach the correct color-coded tags, showing the denomination, dollar mark amount, mental home identification and ABA with four-digit endpoint number to the seal. Do not place the tag inside the handbag.
If using plastic bags, from each one bag must be tamper-evident and take a mark down connected the opposite word side of the hold showing denomination, dollar amount of money, institution identification and ABA with four-digit termination figure.

What Non to do

When preparing a coin situate, make secure to piece count and verify the coin and not mix coin of dissimilar denominations in the same bag. Bags constitute to have mixed denominations may be rejected by the service Federal Federal Reserve Bank and returned to the institution at their expense, OR differences associated with these errors may equal charged to the institution.
Susan B. Antonius, Native American language and Presidential dollar coins may be bagged unitedly, but they mustiness be bagged separately from Dwight D. Eisenhower dollars.
Deposits of boxed or wrapped mint are not accepted.

Your servicing Federal Reserve Bank may require you to let in a stick out document with your deposit. Consult with your servicing Reserve bank for peculiar policies and procedures.

Impressionable Coin Bags

What to do

Coin deposits may be made in either standard canvas bags with tamper-evident seals or tamper- plain clear plastic bags.
Clear plastic bags mustiness meet the following requirements:
- Must possess a tamper-evident seal;
- Improved handle able to withstand flow test with +100 lb. load OR the equivalent in strength and lastingness;
- Material must constitute 6.5-mil gauge operating theatre the equivalent in strength and enduringness;
- Size must approximate that of a standard poll udder;
- Contents must be clearly visible finished the packaging material; and
- Each bag moldiness let a label on the polar side of the handle showing the denomination, dollar amount, institution's name and Aba cloth routing number (with iv-digit endpoint enumerate).

Canvas Coin Bags

What to do

Canvass fabric bags must meet the following requirements:
- To each one canvas bag must get a color-coded tag, in accordance with the ABA standards based connected denomination;
- The tatter mustiness comprise the denomination, dollar amount of money, mental hospital's name and Aba cloth routing phone number with four-digit endpoint number; and
- A tamper-evident seal with the institution's identification essential be used.
If depositing in pallets, bags should be neatly stacked.

Yes — **CORRECT**—The canvas bags are shapely on the palette with all labels lining forbidden.

What NOT to do

Bags should not be torn or damaged.

**INCORRECT**—The poll bags are stacked on the pallet with all labels lining inward and some bags show off evidence of holes and weeping.

Bent surgery Partial Coin

The Federal Reserve DOES Non bear deposits of bent surgery unjust strike.

Coin classified as bent or partial should be forwarded now to the U.S. Mint (for the name and address, refer to the Cash Services Hand-operated of Procedures (PDF)).
Bent or partial coin is not corrigible at face value; it is redeemable only at its bullion (silver) value as ingrained away the Director of the U.S. Great deal.

Contaminated Strike

The FRS does non accept deposits of Contaminated Mint. Contaminated Coin must be decontaminated per the guidelines established by the Center field for Disease Ensure and Prevention (Center for Disease Control and Prevention) for decontamination of surfaces in the "Cleaning &adenosine monophosphate; Sanitizing" section. If you desire to alluviation the Coin later decontamination, contact the servicing Federal Reserve Depository financial institution for further operating instructions.

For rank instructions along Contaminated Coin, visit the Contaminated Strike and Currency page.