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20 Dollars Federal Reserve Note, Large TWENTY, Branch ID in Letters
| Issuer | Federal Reserve System |
|---|---|
| Year | 1928 |
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| Shape | Rectangular |
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|---|---|
| Obverse lettering | FEDERAL RESERVE NOTE THE UNITED STATES OF AMERICA REDEEMABLE IN GOLD ON DEMAND AT THE UNITED STATES TREASURY, OR IN GOLD OR LAWFUL MONEY AT ANY FEDERAL RESERVE BANK. WASHINGTON, D.C. JACKSON WILL PAY TO THE BEARER ON DEMAND TWENTY DOLLARS |
| Reverse description | Central intaglio vignette of the White House set within an elaborate green guilloche border, with the building's facade, grounds, and flagpole rendered in fine line engraving. Numeral 20 appears in each of the four corners, flanked by ornate lathe-work scrolls on the left and right margins. The denomination legend runs along the lower border beneath the vignette. |
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| Comments |
The 1928 series marked the United States' shift to the smaller "small-size" format, replacing the larger currency that had been standard since the Civil War. This transition was driven by cost savings and the mechanical demands of new high-speed counting equipment — not, as is sometimes assumed, by any change in monetary policy.
Pick 422B carries the "B" suffix indicating issuance through the Federal Reserve Bank of New York. The large "TWENTY" overprint on the reverse was a deliberate anti-counterfeiting measure introduced with this series, making denomination recognition faster for both tellers and the public. It was dropped from later small-size issues after the Treasury concluded it added little practical security value.