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Cashing Paper Savings Bonds

This page is for cashing paper savings bonds of Series EE and Series I. For Series HH bonds, see “Redeeming (Cashing) Series HH Savings Bonds

1

HOW DO I CASH PAPER SERIES EE or SERIES I SAVINGS BONDS?
(as an owner or beneficiary)

Two options:

  • If you hold an account at a local bank and it cashes savings bonds, you can ask the bank if it will cash yours.
  • Send the bonds to us.

NOTE: Bonds aren't eligible for cashing until they're 12 months old.

2

What Should I Take With Me to the Bank?

  • Bonds
  • Proof of identity (check with your bank on what's acceptable)
  • A certified copy of a death certificate for the owner, if you are named as beneficiary (POD)
3

Will the Bank Give Me a Form for My Taxes?

  • Yes. If you cash at a bank, it provides the form. The bank may give you the form immediately or may mail it later–possibly not until after the end of the year in which you cash the bond.

 

4

What if I Don't Cash with My Bank?

Send your bonds to us, along with FS Form 1522 (download or order). You don't need to sign the bonds.

You will need to validate your identity. FS Form 1522 tells how; see the "Certification" section of the form.

The form also gives our address.

We will mail you a tax form in the following January.

Many people don't know they own savings bonds. Check Treasury Hunt to see if you have matured savings bonds that you can cash and use that money!