If you are gonna get ‘stuck’ losing a bill cause it is deemed a counterfeit bill, its better that you lose one bill and let it be a $20 not a $100.
We have no way of telling if a bank ATM dishes out a counterfeit anything do we ?
A few years ago I got a few 100s from a bank. Got home, one of them felt funny. I checked the serial number against an online list of counterfeits, sure enough it was counterfeit.