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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)

After you’ve held them for 12 months, you can simply take them to your local bank!

Did You Know?

More than 95% of savings bonds are cashed at local banks and credit unions. Here's why:

  • It's quick and easy (you get your money right away).
  • You can immediately reinvest your money – with the bank or elsewhere.
  • Your bank can often help if you're making a major purchase or investment, too.
2

What Should I Take With Me?

  • Savings bonds you wish to cash
  • Proof of identity (check with your bank on what's acceptable)
  • A certified death certificate for the owner if you are named as beneficiary (POD)
3

Will I Get a Form for My Taxes?

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

 

4

What if the Bank Can't Cash My Bond?

  • If the total amount of your bonds is under $1,000
    • There's no need to get your signature certified. Download FS Form 1522 (download), complete and sign it. Mail us the form along with your unsigned bonds and a copy of a valid form of identification such as driver's license, passport and state or military ID (address is on the form).
  • For bond totals over $1,000
    • Download FS Form 1522 (download) and get your signature certified as instructed on the form. Send us your unsigned bonds along with the completed form (address is on the form).
  • If you want to obtain the value of the bonds, visit Savings Bonds Calculator

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!