Trying to break a $100 bill can be tricky, as some smaller retailers won’t accept them. Luckily, there are many options for exchanging your $100 note for smaller denominations.

You may need to make a purchase for them to do it. This article explores all the places and techniques for breaking large bills into smaller ones like twenties, tens, fives, and singles.

When it comes to breaking a $100 bill, banks and credit unions are your best bet. These financial institutions are equipped to handle large denominations and provide you with smaller bills in return.

If you need to break a $100 bill into smaller denominations, banks and credit unions can help you with that. Simply walk into a branch and request to exchange your large bill for smaller ones.

Some institutions may charge a small fee for this service, but it is usually nominal and worth the convenience. Contrary to popular belief, you don’t always need to be a member of a bank or credit union to take advantage of their bill-breaking services.

So, even if you don’t have an account with a particular bank, you can still walk in and ask them to break your $100 bill into smaller denominations. This is especially useful when you are in urgent need of change or when you’re traveling and don’t have access to your regular bank.

These branches typically have a higher volume of cash transactions and a larger inventory of bills in different denominations. They are more likely to have the necessary supply of smaller bills readily available without the need for additional ordering or delays.

These establishments often have a variety of services available to assist customers with their currency needs. One of the easiest ways to break a $100 bill at a grocery store or big box retailer is to simply ask for smaller bills when checking out with a purchase.

This is a quick and hassle-free way to get the smaller bills you need. While self-checkout lanes have become increasingly popular in grocery stores and big box retailers, it’s important to note that these machines may not always be able to accommodate bill breaking.

If you’re in need of smaller denominations, it’s best to visit a staffed checkout lane instead. Several major retailers, including Walmart and Target, offer currency services that can help you break a $100 bill.

It’s always a good idea to check with your local store to see what currency services they offer and if there are any associated fees.

While USPS is primarily known for its mail and package services, many post offices across the country also offer currency exchange services. This means that you can exchange your $100 bill for smaller denominations like $50s or $20s right at the USPS counter.

The staff at the post office will be able to assist you with this transaction. This can be a convenient option if you need smaller bills for everyday transactions or if you prefer to carry smaller amounts of cash.

This is because people regularly visit post offices to purchase stamps, money orders, and other postal services, which require smaller denominations. So, you’re more likely to find smaller bills available at USPS compared to some other establishments.

USPS typically operates during regular business hours, which means they may not be open late at night or on weekends. So, if you need to break a $100 bill outside of their operating hours, you may need to consider other alternatives such as banks or larger retail stores.

However, with a few simple strategies, you can increase your chances of successfully breaking that $100 bill. Here are some helpful tips:

Remember, businesses are often concerned about having enough change on hand for other customers. So, approach the counter with a smile and ask the cashier if they are able to break your bill.

Appearances can go a long way when trying to break a $100 bill. Make sure you look presentable and ready to make a purchase.

Remember, first impressions matter.

As account holders, they are more likely to have larger amounts of cash on hand and may be able to break your bill without any hassle. Plus, they may also offer additional services such as coin exchange or check cashing.

So, next time you find yourself with a big bill, don’t fret – just approach the situation with a positive attitude and a little bit of planning, and you’ll be able to break that $100 bill in no time.

With this guide, you can exchange Benjamins for smaller denominations conveniently and easily. Just remember to ask politely, choose off-peak hours, and be ready to make a purchase.

Not sure where to break a $100 bill.

Getting change from big bills can sometimes be a challenge.

Many businesses now accept cards only, and a coin shortage in the United States has limited the number of businesses that will make change.

Here are some options.

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Your mileage may vary based on your specific local area, but when you’re looking for where to break a $100 bill, these ten types of places are usually a good bet.

Banks are one of the easiest options to get change for your bigger bills, since no purchase is required and no fees are charged.

If you do not have an account at the bank, most banking locations will still assist with breaking large bills.

Be sure to bring something with you just in case.

See: 20 Banks Open on Sunday.

Since some cashiers may not have enough change in their drawer, especially at the beginning of a shift, check with the customer service counter or a manager.

If you need to purchase to break your bill, pick an inexpensive item such as a pack of gum and head to the checkout.

Another great place to try getting change for your $100 bill are Walmart stores.

Most Walmart self-checkout machines accept $100 bills.

Find out: What Can You Buy with EBT at Walmart.

Target stores are also a great place for when you want to get some change for a bigger denomination.

The employees there are also very helpful and you’ll surely get your change in no time.

Restaurants frequently do a great deal of cash business, especially those that offer takeout and casual dining.

Some establishments might ask you to buy some food or drinks first, while others may be willing to simply change your bills.

Bars are also a heavily cash-flowed business, and a bartender or manager may be able to help you break your $100 bill.

Pawn shops also deal with a lot of cash, and can often handle larger bills when other businesses can’t. Plus, while visiting you may find a great deal that you can’t resist.

Read: What Can I Pawn for 500 Dollars.

While some laundromats are not staffed, other locations with an employee or attendant may be able to assist you with making change.

Make sure to check for signs outside laundromats that say they don’t deal with changing money, otherwise, you’ll be wasting your time. Learn: 7 Places to Get Quarters for Laundry Online & Locally.

Gas stations and convenience stores deal in a large number of transactions and can usually handle making change for larger bills. While some smaller locations may not break anything larger than $20 (look for posted signs), larger stores should be willing to assist, especially if you make a small purchase.

If there’s a casino nearby, you’re in luck. You should be easily able to break your $100 bill at the casino.

While they may ask for identification, most casino locations will be able to assist you.

Hotels often deal with cash and usually have change on hand. Whether you’re a guest or just walking in, the front desk will usually be willing to break your $100 bill.

Just be polite and ask. Sometimes they might direct you to another nearby place if they can’t do it for you.

This store sees a lot of cash transactions, so chances are they can break your $100 bill.

If you’re not buying anything, go straight to the customer service desk.

Just ask, and they’ll usually help you out.

Truck stops are used to handling large transactions and often have sufficient change, even for big bills. Just head to the cashier or service desk, and they’ll likely be able to help you out.

To help make breaking a $100 bill easier, we compiled the above list of places that can help.

Small businesses might have signs posted outside that notify customers that they don’t have more than a certain amount of change.

These places don’t expect to change money, and will probably ask you to purchase breaking a large bill. Government offices like the DMV and post office are usually not able to assist in making change unless you make a purchase.

The tellers at these locations have strict guidelines on the types of transactions that they can handle.

Hopefully, this list is helpful for you to find somewhere locally to break your $100 bill.

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What began as an effort to help her family save a few dollars a month has now transformed into a full-time passion to help other parents money. Visit her online at twokidsandacoupon.com and follow her on Twitter at @2kidsandacoupon for more ways your family can have fun on a budget.