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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”

For transactions other than cashing, see "How Do I?... A Guide for Savings Bond Owners."

Note: Not sure if you have an older bond that’s that’s stopped earning interest? Use our Treasury Hunt search engine to see if any bonds are listed in the database. If so, you’ll get information on how to claim and cash them. Treasury Hunt is updated monthly.

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?

5

Wait! What If I'm Not Named on the Bond?