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Federal Reserve bank




September 27, 1995


Notice 95-89


The Chief Operating Officer of
each financial institution in the
Eleventh Federal Reserve District

Introduction of Redesigned Currency
with New Security Features
On September 27, the U.S. Department of the Treasury and the Federal
Reserve System announced the introduction of redesigned currency in an ongoing effort
to protect U.S. currency from counterfeiters. The redesigned $100 Federal Reserve note
will be introduced in early 1996, with lower denominations issued at the rate of one
denomination per year.
The redesigned currency will make the Federal Reserve note easier to
recognize as genuine and more secure against advancing technologies that could be used
to counterfeit notes. The notes will incorporate new and familiar features, with the size
of bills, ink colors, paper, historical features, illustrations and motto remaining the same.
There will be no recall or devaluation of U.S. currency now in circulation. As older
notes are sent to the Federal Reserve by depository institutions, they will be replaced by
the new notes.
The new design will incorporate a larger, slightly off-center portrait that
contains more detail, making it easier to recognize and more difficult to counterfeit. It
will also provide room for a watermark, which will depict the same historical figure as
the portrait. The watermark is visible when held up to the light.
In addition, color-shifting ink will be used so that the currency will take on
different hues when viewed from different angles. The feature will be used in the
numeral in the lower right-hand corner. Borders on the new bills will be simplified, with
geometric designs replaced by an assortment of lines and dots that are intended to foil

For additional copies, bankers and others are encouraged to use one of the following toll-free numbers in contacting the Federal
Reserve Bank of Dallas: Dallas Office (800) 333 -4460; El Paso Branch Intrastale (800) 592-1631, Interstate (800) 351-1012; Houston
Branch Intrastate (800) 392-4162, Interstate (800) 221-0363; San Antonio Branch Intraslate (800) 292-5810.

This publication was digitized and made available by the Federal Reserve Bank of Dallas' Historical Library (

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Although all currency will have security features, the number of features will
vary according to denomination. The $100 note will have a variety of features, while the
$1 note will have fewer, less sophisticated features.
An information kit on the redesigned currency will be sent to you as soon as
the kits become available. In the next several weeks, you will receive information on
dates and locations of currency redesign seminars that the Federal Reserve Bank of
Dallas and its Branches will conduct for Eleventh District financial institutions. The
seminars will be geared to those employees who routinely handle currency or answer
inquiries from your customers.
For more public information, please contact Kim Ernst at (214) 922-5256.
For more information regarding cash processing, please contact Don Curtis, (214)
922-6808, at the Dallas Office; Javier Jimenez, (915) 521-8202, at the El Paso Office;
Luke Richards, (713) 652-1544, at the Houston Office; or Richard Gutierrez, (210)
978-1401, at the San Antonio Office.
For additional copies of this Bank’s notice, please contact the Public Affairs
Department at (214) 922-5254.

Federal Reserve Bank of St. Louis, One Federal Reserve Bank Plaza, St. Louis, MO 63102