The easiest way to break a $100 bill or other large bills is to visit your bank or credit union — even if you don’t have an account. Alternately, some grocery stores and Target locations will exchange a $100 bill for you at the customer service desk. Other locations may require you to make a purchase. For more ideas on where to break or exchange a $100 bill, see below.
Where to Break or Exchange a $100 Bill
When it comes to breaking or exchanging large bills, there are a few options. The most efficient place to break a large bill is at a bank or credit union. But we also spoke with customer service representatives at various stores to provide the following list of places to break or exchange a large bill like a $100.
Note: Look out for signs that read “Bills no larger than $50” or some other variant to make sure you don’t waste your own time.
1. Banks or Credit Unions
Your bank or credit union will be able to change your $100 bill without a problem. Some locations may require you to show your ID or provide your account number. If you don’t have a bank or credit union account, you can still stop at a local bank or credit union and ask if it would be willing to exchange a large bill.
2. Grocery Stores
Most grocery stores will exchange a $100 bill at the customer service desk, if they have the cash available. A store manager may direct you to a specific cashier lane, if necessary. Sometimes, you can get change for a large bill after making a purchase at checkout or even self-checkout. Keep in mind that the register may not have enough change to break a $100 bill and you may have to wait for a store manager to assist you. In this case, it would be easier to start at the customer service desk.
You can use a $100 bill to make a purchase at a Walmart store and receive change from a cashier or self-checkout machine, a customer service representative said. However, Walmart stores will not exchange large bills, like $100 bills, at the customer service desk, the representative said.
You can ask to exchange a $100 bill for smaller bills at Target, a customer service representative said. Bring the large bill to the customer service desk and simply request smaller bills. You can also use a $100 bill to make a purchase and get change back. Most Target self-checkout machines accept $100 bills, the representative said. To confirm, contact your nearest Target.
5. Restaurants and Bars
Restaurants and bars can usually change a $100 bill if you use it to pay for food and/or drinks. Sometimes, a restaurant or bar may be willing to simply exchange the bill for smaller bills for you, especially if it’s after a particularly busy period (Think: post-lunch rush or following happy hour).
6. Cash-Only Businesses
Cash-only businesses like smaller restaurants and laundromats may be willing to break a large bill, as they often have a variety of small and large bills on hand. Just be on the lookout for any posted signs that specify it does not make change or break large bills.
7. Spas and Salons
Spas, nail salons, and hair salons often have cash on hand and can exchange large bills for customers, especially if you’re looking to leave a cash tip. You may also be able to ask an employee for change; he or she likely has a lot of smaller bills from tips received throughout the day.
8. Tattoo and Piercing Shops
Some tattoo and piercing shops are cash only, and many of the employees receive cash tips throughout the day. You may be able to ask the receptionist or an employee to exchange a large bill.
If you are at least 21, you should be able to break a $100 bill at a casino. Casinos often have bill breaker machines on the floor. But a bill breaker machine likely won’t let you choose the type of bills you’ll get back. Alternately, you can visit the cashier’s cage to request change. The cashier may ask to see your ID.
You can most easily exchange a $100 bill at a bank or credit union. Other places to try include: cash-only businesses, casinos, grocery stores, restaurants or bars, spas or salons, Target stores, tattoo or piercing shops, and Walmart stores. Some of these locations will require you to make a purchase. Look out for any posted signs reading “Bills no larger than $50” or signs that specify the business does not make change or break large bills.