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Bank won’t replace my ripped $100 bill, what can I do?

I got a $100 bill ripped from an ATM and my credit union said they can’t replace it right now. They told me to wait and see if the other half shows up in the ATM (it’s currently closed). I’ve always heard you only need 51% of the bill for it to be replaced, but they’re saying both serial numbers have to be there. Has anyone dealt with this before? Would I have better luck trying a bigger bank instead? #Banking #MoneyMatters #ATM #HelpNeeded