$20 Bill: What You Need to Know

Ever pull a $20 note out of your wallet and wonder what’s really on it? You’re not alone. This greenish‑brown bill has a story, security tricks, and a few nicknames you’ll hear on the street. Let’s break it down so you can spot a fake, impress a friend, or start a small collection.

History & Design

The modern $20 bill first appeared in 1861, but the design we use today was released in 2003. Andrew Jackson’s portrait has been on the front since the 1920s, and the back shows the White House. In 2013 the Treasury added a blue 3‑D security ribbon, tiny bells, and a portrait of the White House to fight counterfeits.

Collectors love the tiny details: the “20” watermark behind the portrait, the subtle “20” that appears when you tilt the note, and the color‑shifting ink in the “20” on the right side. If you hold the bill up to the light, you’ll see the watermark of Jackson’s profile—a quick way to confirm it’s real.

People call the $20 bill many things: a “double sawbuck,” a “Jackson,” or even a “Tom.” Those slang terms show up in movies and on street corners. Knowing them can help you understand a joke or a cash‑related story without missing a beat.

Everyday Tips & Collecting

When you get a $20 note, give it a quick flip. Feel the raised printing on Jackson’s portrait and the security ribbon. If it feels too smooth or the ribbon doesn’t show the tiny bells, it might be a fake.

Keep your $20 bills in a dry place. Moisture can ruin the security features and make the note less attractive to collectors. If you’re into currency collecting, look for notes with serial numbers that repeat (e.g., 123‑123‑123) or have low numbers. Those are often more valuable.

Buying a $20 bill at a bank is cheap, but finding a rare series, like a 1928 “Gold Certificate” version, can cost more. Those older notes have a gold seal and a different design. They’re pricey, but they make cool conversation pieces.

For everyday use, remember that many vending machines still accept $20 bills, but some may jam if the bill is crumpled. Smooth out the note before you insert it, and you’ll avoid a frustrating fight with the machine.

Lastly, if you’re teaching kids about money, the $20 bill is a good example of a mid‑range note. Show them the security ribbon and explain why counterfeiters try to copy it. Kids love the “hidden bell” trick, and they’ll remember the lesson longer.

Whether you’re checking your cash, chatting about money slang, or starting a hobby, the $20 bill has more to offer than its face value. Keep an eye on the details, and you’ll always know you’re holding a genuine piece of American currency.