Introduction

This guide is a supplement to the Cash Services hand-operated of measures (PDF) (CSMOP) and is not all inclusive the the requirements. If a deposit does not comply v these guidelines, it may be rejected by the servicing federal Reserve Bank and returned come the depositors at your expense, or differences linked with this errors might be charged to the depositor.

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The following web version was revised in march 1, 2019, to reflect transforms in the amendment CSMOP. This Deposit Visual reference Guide is also easily accessible in a printable format (PDF).

Preparing money Deposits

What to do

Before depositing currency, money must be all set according to denomination. Because that $1 through $20 denominations, your deposit(s) have to contain full bundles. If depositing $50 or $100 denominations, they must be in full straps and/or full bundles.

All Denominations: every notes in a deposit need to be plainly more 보다 50 percent the a keep in mind to obtain credit. Notes must be item counted and verified because that authenticity prior to depositing. Unfit currency, money that is not suitable for more circulation due to its physical condition (torn, dirty, limp, worn or defaced), must be contained in your regular deposit(s). Notes need to be straightened, and also all corners and edges should be aligned.

Preparing currency Straps

OverviewWhat to carry out A strap is a package of 100 notes. All straps need to contain 100 notes of the same denomination and must have only one band roughly them. Incorporate only U.S. Currency. Under no circumstances need to coin or various other valuables be included. Note within the strap might be packaged there is no regard come direction or facing. All paper clips, staples, rubber bands and excess ice on the note (causing notes to unnecessarily pole together) must be removed.
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CORRECT— As presented in these examples, note within a strap have the right to be arranged there is no regard to encountering or direction.
CORRECT—This strap is properly and also neatly assembled and includes the teller’s identification and date the verification.
What no to do Straps the contain below straps (rubber bands or paper clips subdividing notes within the strap) room not permitted.
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INCORRECT—This strap contains sub-straps, rubber bands, and paper clips.

Strap Bands

What to perform A band is a strip of file material supplied to bind or host together a strap. Each strap need to be bound by only one band. Bands need to be used to the center of every strap. Bands have to be secured around the strap without the band adhesive or securing ice unnecessarily sticking to the notes within. Bands should be white record and color-coded (along the edges) come conform come existing standards of the American Bankers combination ("ABA"). Band product must be between 1.00 to 1.57 inches wide with one approximate weight of 100 g/sqm, make of document and not fabricated materials. Bands should suggest the dollar amount of currency in the strap, the day of verification and also the initials or name of the persons who showed the strap. The length of the band must be such the the band wraps the strap as soon as with minimal overlap, for this reason no loose flaps (such together a tail) room remaining beyond the adhesive. Because that correct location of financial institution stamps refer to section “Stamps”.
CORRECT—The strap has a single band of ideal color-coding and also material, and includes the teller’s identification and also date of verification. In addition, the band has no overabundance flap.
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CORRECT—This band has actually no excess flap.
What not to do Do not use bands with loose flaps. Perform not use brown document bands, that is, those bands made of recycled stock paper, as they do not picture well. Bands need to be make of white document to ensure information is plainly captured as soon as imaged.
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INCORRECT—Do not use bands with loosened flaps.

Band Stamps

What to do Each band need to be stamped through the complying with information: Institution"s name; ABA routing number; and Four-digit endpoint number (branch number) of the depositing office (a band without one office identification number is considered to be from the institution’s head office). use black or dark squid (not red) ~ above the stamp to help ensure good quality images. Use large and easy-to-read font on her stamp. Refresh squid pads frequently.

All Denominations


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CORRECT—The stamp is in black color ink, mirrors the required deposit information, and includes the teller’s identification and also date that verification.
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INCORRECT—The stamp reflects the use of red ink.
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INCORRECT—The stamp mirrors a blurred stamp the is unreadable.
What to doAll Denominations The financial institution stamp on the band might be put on either side of the strap, without regard to the portrait; however, straps in ~ the bundle should be arranged such the all financial institution stamps challenge the exact same direction. (See photo in “Preparing Bundles” section)
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CORRECT—The bank stamp is placed on either next of the strap without regard to facing.

Preparing Bundles

What to doAll note A bundle consists of 1,000 note of the exact same denomination in ten equal straps that 100 note each. All strap edges have to be vertically aligned right into a single organized stack and also oriented in the exact same direction. Straps must be bound together. Securing the straps with each other to do a bundle might be completed through the usage of rubber bands or other tension material. The bundle stress and anxiety material: need to be secured sufficient to remain undamaged through transportation and handling: (1) not as well tight regarding overstress the notes bring about them come bend/crease in ~ the bundle; or (2) no too loosened where the notes or straps move about or the tension material breaks or drops off of the bundle; have to be secured throughout the brief side at both ends of the bundle (and no on subgroupings the straps in ~ the bundle); and Must permit for clear check out of the money strap band. all Denominations Straps within the bundle should be i ordered it such that all bank stamps face the exact same direction.
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CORRECT—The bundle is correctly stacked and tension product is top top the ideal ends of the bundle permitting clear visibility of the band. The tension product is not as well tight or too loosened so the notes remain firm without bending or creasing.
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CORRECT—The straps in ~ the bundle are correctly stacked and also tension material is on the right ends that the bundle enabling clear visibility the the band. The tension product is not too tight or too loosened so the notes remain firm there is no bending or creasing. The anxiety material has no protruding edges.
What no to doAll notes The bundle need to not contain combined denominations. The bundle tension material must not: it is in so tight as to cause damages to the notes; it is in placed approximately the long end of the bundle (i.e., lengthwise); and have any type of residual product (such together a tail) that could risk compromising the shipping bag or the bundles/straps around it.

Currency deposits that carry out not satisfy the proclaimed criteria upon inspection at her servicing FRB may be refused.


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INCORRECT—The stamps in the bundle face in multiple directions.
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INCORRECT—The straps in ~ the bundle room not inserted together in the ideal stack orientation.
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INCORRECT—The bundle consists of rubber band subgrouping of notes within the straps.
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INCORRECT—The tension material is too loosened to wherein the notes deserve to move around and also there is a threat of the tension material breaking.
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INCORRECT—There is stress and anxiety material put on the incorrect finish (on the long end) the the straps.
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INCORRECT—The tension material tail is as well long and could deteriorate the shipping bag or various other bundles/straps around it.
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INCORRECT—The tension material is also tight, leading to the notes within the bundle come deform and bend/crease.

Currency Bags/Containers

What to do only clear plastic bags or clear plastic/metal containers might be provided for deposits. Plastic bags have to be at the very least 5 mils special or the indistinguishable in strength and durability. The bags/containers the deposits need to be securely sealed with a tamper-evident seal, so that any unauthorized accessibility is quickly detected, and also the bags should be totally free of holes and tears. The bags/containers need to bear the institution’s identification (logo and/or name).

To aid ensure your deposit is appropriately identified and also remains secured, the adhering to practices are additionally recommended:

If making use of plastic seals, each bag should have actually a bag tag attached come the seal or in ~ a compartment of the bag different from the currency. The tag must suggest ABA number (with four-digit endpoint number), institution’s name, and also dollar lot of the materials on each bag. The sign should suggest the bag number (e.g. “Bag___of____”). If utilizing a large-capacity currency bag for a little deposit, please be certain to cinch or seal the bag in such a way to stop tearing the the straps or breaking the bundles in transit. Containers need to be secured v tamper-evident seals that have unique seal numbers with the seal numbers provided to your servicing federal Reserve Bank.

Your servicing federal Reserve bank requires girlfriend to include a deposit paper with your deposit. Consult through your servicing commonwealth Reserve financial institution for specific policies and procedures.


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CORRECT—The currency bag is properly labeled with a typed or handwritten institution’s identification and also deposit information.
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CORRECT—The currency bag is secure through a tamper-evident plastic seal, and the tag is attached to the seal. In addition, the money bag is properly and also tightly cinched based upon the size of the deposit.
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CORRECT— As shown in the two pictures above, containers need to be secured v tamper-evident seals that have distinct seal numbers.
What not to carry out A complete bag must not contain much more than 16 majority of currency. The bag tag have to not be put inside the bag.
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INCORRECT—The money bag contains loose notes. It is no cinched properly, and the sign is placed inside the bag.
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INCORRECT—The currency bag contains loosened notes/straps, or a small deposit is put in a big bag v the tag within the bag.
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INCORRECT—Small store are placed in huge bags that are not cinched properly, and also the tag is inserted inside the bag.

Contaminated Currency

What come do

Contaminated currency is currency that has been damaged through or exposed come contaminants, poses a wellness hazard or security risk, and also cannot be handle under regular operating procedures.

Institutions should achieve as much details as feasible from your customer about the type and extent of the contamination prior to contacting the servicing commonwealth Reserve financial institution to deposit contaminated currency.

Note: currency which has been damaged to the level that its worth is questionable is not tackled by the commonwealth Reserve Bank. These notes, i m sorry are generally referred to together mutilated currency, must be sent to the office of Engraving and also Printing, Mutilated currency Division, Office of Financial monitoring for validation and also redemption

Procedures for depositing contaminated currency: separate contaminated currency from common deposits. Contaminated money must be prepared by denomination, in straps that 100 notes and in bundles of 10 straps. Rubber bands have to be supplied to certain multiple complete straps and, contrary to typical deposit procedures, have to be securely placed about the middle the the bundle.

1All large size currencies; National bank notes, little size; commonwealth Reserve financial institution notes, little size; and also Gold certificates, little size, series 1928 only.


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CORRECT—The contaminated deposit is separated native a typical deposit, properly twin bagged and also is significant with the word “contaminated” on the outer bag. The straps space secured with rubber bands placed around the middle of the bundles.
What is taken into consideration contaminated currency?

Currency may end up being contaminated early out to:

lengthy exposure to water or various other liquids that results in the existence of mold. (Note: Wet money that does not present signs that mold is not taken into consideration contaminated and should it is in dried and deposited under the common process.) Exposure to blood, urine, feces, or any kind of other bodily fluids, consisting of removal from any kind of body cavity, corpse, or animal. Exposure to sewage. Exposure to any kind of chemical, liquid, or foreign substance that may pose a wellness hazard or safety and security risk. Exposure to tear gas supplied in many dye packs. (Note: The dye supplied in dye package is not taken into consideration a contaminant. Note stained from the dye alone must be deposit normally.)What to execute Partial straps the 50 notes or less of a solitary denomination have to be fans in a method that allows for an ext than 50 percent the each note to be plainly visible through every one of the packaging material. Staples should be supplied to certain the fan prior to the note are placed into the bag. Partial straps containing in between 51 and also 99 notes of a solitary denomination need to be wrapped v a document band. The band have to be marked with the item count and dollar amount. Contaminated currency must be double- bagged, and the bags must be big enough come permit activity of the currency inside the bags because that initial intuitive inspection. The inner bag need to be a strong, tamper-evident, clear plastic currency bag purchased by your school for depositing with the commonwealth Reserve. Carry out not usage store-bought resealable layout bags because that the inside bag. The outer bag must additionally be a strong, tamper-evident, clean plastic money bag offered by your school for depositing with the federal Reserve. the word “CONTAMINATED” must be written in permanent marker and large letters top top the external of the external bag. Any type of exterior printing on the bags must not inhibit the check out of the bagged contents. finish a different Federal Reserve financial institution deposit paper or digital deposit notification kind that has the denominational failure and full of the contaminated currency. The deposit file should accompany the deposit.
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CORRECT—Partial straps that 50 notes or less of a solitary denomination room stapled in a fan form in such a method that every note deserve to be clearly denominated and piece counted.
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INCORRECT—The notes space not fans in a way that allows for an ext than 50 percent of each keep in mind to be clearly visible.
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CORRECT—Partial straps of 50 notes or less of a solitary denomination space stapled in a linear fashion where each note can be clearly denominated and piece counted.
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CORRECT—Partial straps of 51 – 99 note of a single denomination space wrapped with a file band and marked with the piece count and also total disagreement amount.
What no to perform Do no include any extraneous items within or in between the inner and outer bags. Extraneous items include paper clips, deposit documents, bag tags, or dye load mechanisms. The existence of extraneous items will an outcome in her deposit gift returned. Double-bagging need to not inhibit the view of the bagged contents.

Review the Contaminated Currency and also Coin policy for finish details and a video clip on handling contaminated currency and also coin.


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INCORRECT—The contaminated deposit is no double-bagged in a manner the the contents of the bag are visible.
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INCORRECT—In the image on the left, the contaminated deposit is no double-bagged or significant with words “contaminated.” In the photo on the right, the contaminated deposit is no double-bagged in a manner that the materials of the bag are visible.
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INCORRECT—The bundles are not double-bagged in bags big enough come permit activity of the money inside because that initial intuitive inspection.

Mutilated Currency

The federal Reserve DOES NOT accept deposits that mutilated currency.

What to execute burned currency that is plainly less than one-half a complete note and cannot be taken on without compromising its truth is thought about mutilated currency. Mutilated money must be sent directly to the BEP’s Mutilated Currency division with a letter stating the approximated value the the currency and also an explanation of how the currency ended up being mutilated.What no to do

Unfit contaminated, but not mutilated, money should not be sent out to the BEP’s Mutilated currency Division. The commonwealth Reserve procedures this currency; however, money that is both contaminated and also mutilated need to be sent out to the BEP’s Mutilated money Division.

money that is plainly more 보다 one-half, yet less 보다 a finish note, greatly soiled, limp, worn or torn, is not considered mutilated, and should be contained in a regular deposit.

You may speak to the BEP"s toll-free number, (866) 575-2361, or visit the BEP website (Off-site) to obtain much more information ~ above shipping instructions for mutilated currency, and also to view photographic examples of mutilated currency.


Coin Deposits

What to perform Package loose coin through denomination in plastic or canvas bags. If utilizing canvas bags through a tamper- noticeable plastic/string tie and lead seals, attach the exactly color-coded tags, showing the denomination, disagreement amount, school identification and also ABA through four-digit endpoint number come the seal. Carry out not place the tag within the bag. If utilizing plastic bags, every bag should be tamper-evident and have a label on the opposite side of the handle showing denomination, dissension amount, school identification and ABA v four-digit endpoint number.
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CORRECT—The coin bag is appropriately secured through a tamper-evident plastic seal and also a exactly color-coded tag, based upon denomination, containing college identification.
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CORRECT—The tamper-evident plastic bag is appropriately labeled v the institution identification based on the denomination, with the dollar amount.
What not to do once preparing a coin deposit, make certain to piece count and also verify the coin and not mix coin of different denominations in the same bag. Bags uncovered to have mixed denominations may be rubbish by the servicing federal Reserve Bank and returned to the institution at their expense, or differences associated with these errors may be fee to the institution. Susan B. Anthony, native American and also Presidential dissension coins might be bagged together, but they should be bagged independently from Eisenhower dollars. Store of boxed or sheathe coin are not accepted.

Your servicing commonwealth Reserve bank may need you to incorporate a deposit record with your deposit. Consult with your servicing federal Reserve financial institution for specific policies and also procedures.


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INCORRECT—The canvas bag is erroneously sealed v a non-tamper noticeable seal, and the seal was applied loosely. The bag also doesn’t contain a tag.
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INCORRECT—Different denominations of coin cannot be mixed in the exact same bag.
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INCORRECT—For one disagreement coins, Eisenhower dollars should be separated native all various other dollar coins.
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INCORRECT—Rolled coin and also boxed coin cannot be deposited.

Plastic Coin Bags

What to do Coin deposits might be do in either typical canvas bags with tamper-evident seals or tamper- obvious clear plastic bags. Clean plastic bags must accomplish the following requirements: should possess a tamper-evident seal; Reinforced take care of able to withstand hang test v +100 lb. Fill or the tantamount in strength and durability; material must it is in 6.5-mil gauge or the equivalent in strength and also durability; Size should approximate the of a standard canvas bag; contents must be clearly visible v the packaging material; and Each bag must have a label on the opposite next of the manage showing the denomination, dissension amount, institution’s name and also ABA routing number (with four-digit endpoint number).
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CORRECT—The plastic bags space stacked ~ above the pallet v all labels dealing with out.
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INCORRECT—The plastic bags space stacked ~ above the pallet with all labels encountering inward.

Canvas Coin Bags

What to do Canvas bags must accomplish the complying with requirements: each canvas bag must have actually a color-coded tag, in accordance through the ABA standards based on denomination; The tag must contain the denomination, dollar amount, institution’s name and also ABA routing number through four-digit endpoint number; and A tamper-evident seal v the institution’s identification must be used. If depositing in pallets, bags must be neatly stacked.
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INCORRECT—The canvas bags are stacked top top the pallet through all labels encountering inward and also some bags show evidence of holes and also tears.

Bent or Partial Coin

The federal Reserve DOES NOT accept deposits of bent or partial coin.

bending or partial coin is not redeemable at confront value; it is redeemable just at that bullion (metal) worth as established by the manager of the U.S. Mint.

Contaminated Coin

The commonwealth Reserve does no accept shop of Contaminated Coin. Contaminated Coin have to be decontaminated per the guidelines developed by the facility for condition Control and also Prevention (CDC) because that decontamination of surface in the “Cleaning & Sanitizing” section. If you desire to deposit the Coin after ~ decontamination, call the servicing federal Reserve bank for additional instructions.

See more: What Is The Spanish Word For Grandmother In Spanish, Grandmother In Spanish

For finish instructions ~ above Contaminated Coin, visit the Contaminated Coin and also Currency page.

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