If there would have been even the tiniest existing cut or tear in the note, then the tear will spread or propagate very easily with a minimum of effort.
However, if the note is fully intact with no holes or tears, then it should be quite durable and incredibly resistant to tearing.
Bring it back to your bank and get an intact note.
Logged
BWJM, F.O.N.A.
Life Member of CPMS, RCNA, ONA, ANA, IBNS, WCS.
President, IBNS Ontario Chapter.
Treasurer, Waterloo Coin Society.
Show Chair, Cambridge Coin Show.
Fellow of the Ontario Numismatic Association.