Answer:
by Randy Carey:
Only if you want to take the chance that the Fed will accept it for deposit.
https://www.frbservices.org/operations/currency/mutilated_currency_and_c...
Answer:
by John Burnett:
There are specific instructions from the Federal Reserve on worn and otherwise cruddy looking currency as long as it's at least half a bill and doesn't need special examination for value. Read about it HERE.
You can replace the torn bill with a complete bill and ship the torn one with other currency in a cash shipment.
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