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Chase bank not breaking large bills for non-account holders
First, they don't have an obligation to provide a service for a non-customer.  In theory, the could even refuse this service to account holders if that was their business model, although in practice that would almost surely be too large of a turn-off to be commercially feasible.  Non-account holders aren't paying fees or providing capital to the bank, so the bank really has no incentive or obligation to tie up tellers serving them. Maybe as importantly, they have a legitimate business reason in this case as stated.  The fact that the bill passed whatever test the teller did does not, of course, ensure that the bill is real.  They may (or may not) subject it to additional tests later that might be more conclusive.  Making you have an account helps ensure that, in the event they do test it and it fails, that (a) they know who you are in case the Secret Service wants to find you, and (b) they can recover their losses by debiting your account by the $100.  This isn't foolproof since any number of bad things could still happen (identity theft, closing account before they do additional tests, bill passing later tests, etc.), but it does give them some measure of protection.