Overview

In day to day client transactions, tellers receive currency that is badly soiled, dirty, defaced, limp, torn, or worn. For reasons of identification, this currency is referred to as mutilated and/or unfit currency. When received, mutilated currency is organized in a compartment of the teller drawer. Do not record a running total on a piece of paper and bundle with the mutilated currency. 

Capital City Bank (CCB) does not accept mutilated currency notes.

• Mutilated currency is currency which has been damaged to the extent that one-half or less of the original note remains, or its condition is such that its value is questionable. 
• Currency notes can become mutilated in any number of ways. The most common causes are fire, water, chemicals, and explosives; animal, insect, or rodent damage; and petrification or deterioration by burying. 
• Contact Retail Support prior to accepting any currency that meets this definition. 
• Unfit currency is any badly soiled, dirty, defaced, disintegrated, limp, torn or worn out currency note that is clearly more than one-half of the original note, and does not require special examination to determine its value, is not considered mutilated and should be included in your normal deposit.

Unfit currency should be organized in a compartment of the teller drawer. Do not record a running total on a piece of paper and bundle with the unfit currency. Separate unfit currency from fit currency. Sell unfit currency to the working cash drawer or vault drawer as needed.

If presented with mutilated currency we do not accept, refer the client to the Federal Bureau of Engraving and Printing, U.S. Treasury Mutilated Currency Division toll free number 866.575.2361.

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Mutilated Coins

Mutilated coins are coins that are chipped, fused, bent, flatted, burnt and not machine countable. CCB does not accept mutilated coins. If presented with mutilated coin, refer the client to the U.S. Mint at 215.408.0203.

Contaminated Currency

CCB does not accept contaminated currency. Contact Retail Support for issues regarding contaminated currency.

Contaminated currency is defined as currency that has been damaged by or exposed to contaminants and poses a health hazard or safety risk. Contamination may be caused by the following elements:

• Floodwater or any prolonged exposure to water or other liquids
• Exposure to blood, urine, feces or any other bodily fluids, including removal from any body cavity, corpse, or animal
• Exposure to sewage
• Exposure to any foreign substance or chemical, including dye-packs, which may pose a health hazard or safety risk
• Mold or mildew