I'm not seeing any signs of a cud whatsoever.It seems like you need some learning.It does appear to be a BIE which is just a simple die chip.
She inherited two old canvas bank bags from her mother in law. Both bags have about 6000 wheat pennies each. I've been going through them and have come across 1909 VDB. No 1909 S VDB yet. There is a bunch of 1955 I've been putting aside to check as well as other key dates.
Definitely not a cud as a cud must be on the rim. It does have a nice BIE die break. A definite keeper.