Benjamin Franklin stares back at you from the familiar green canvas of the $100 bill. For most people, this is just the currency used for larger transactions or tucked away in wallets as a status symbol of sorts. Yet, a closer look at this specific denomination reveals a story far richer than simple economics.
The Iconography of a Founding Father
While Alexander Hamilton dominates the $10 and Alexander Hamilton again graces the $10, the $100 bill belongs entirely to Benjamin Franklin. Unlike the presidents featured on other notes, Franklin was never a sitting president of the United States. He was a diplomat, an author, a scientist, and a key architect of the Declaration of Independence. His presence on this specific bill speaks to the nation’s gratitude for his intellectual contributions and pragmatic wisdom. The portrait used today, painted by renowned artist John Trumbull, captures a distinguished and thoughtful expression that seems to judge the monetary policy of every subsequent century.
Security Features of the Hundred
Modern Counterfeiting Deterrents
Due to its high value, the Benjamin Franklin $100 bill incorporates some of the most advanced security features in currency production. These measures are in a constant state of evolution to stay ahead of counterfeiters. The complexity of these features is designed to be easily verified by machines and, with training, by the human eye.
Embedded Security Thread: Running vertically through the bill, this thin strip glows a specific color under ultraviolet light (blue for the $100) and displays "USA 100" when held to the light.
Watermark: A faint image of Benjamin Franklin is visible on the right side of the bill when held up to light, creating a dual-image effect with the portrait.
Color-Shifting Ink: The numeric denomination "100" in the bottom right corner changes from copper to green when the bill is tilted, a feature that is difficult to replicate with standard inks.
A Brief History of the Note
The $100 bill has undergone several design changes since its inception. The first $100 notes were issued in 1863 as part of the National Currency Series. Over the decades, the portraits and security features have been updated to reflect the times. The current design, often referred to as the "Series 2009" note, entered circulation in 2011. This version removed the large seals and names, streamlining the layout, and adding the 3D security ribbon, which weaves through the paper rather than sitting on top of it.
Collectibility and Condition
Rarity and Value Beyond Face Value
For the average person, the value of a $100 bill is exactly $100. However, for collectors and numismatists, these notes can represent significant historical artifacts. The condition, or "grade," of the bill is paramount. A crisp, new bill with sharp corners and vibrant ink is worth more to collectors than a worn, folded relic that has seen decades of circulation. Certain series years, such as 1928 or 1953, are particularly sought after. Errors in printing, though rare, can turn a simple piece of paper into a small fortune for the lucky finder.
The Global Perception of the Note
Benjamin Franklin’s image is recognized worldwide, but the $100 bill carries a distinct reputation internationally. In many countries, large denomination bills have been phased out to discourage crime and promote digital transactions. The US $100 bill, however, remains in high demand overseas, particularly in regions with unstable local currencies. It is often seen as a store of value and a hedge against inflation, making it a de facto global currency in places where trust in local banks is low. This international utility ensures that the design and security of the note remain a priority for the Bureau of Engraving and Printing.
