As long as you have over half of the bill in possession, a good bank will trade for a whole bill. However, they can say no, and they require over half so they don’t pay out twice for the same bill. This situation is not a big deal.
Actual bank teller here: both serial numbers have to be fully intact for us to exchange it. It can be ripped, even cross shredded (that was fun to piece back together), taped, but as long as we have two full matching serial numbers, we can give you a "good" bill.
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