Changing information about EE or I savings bonds (reissuing) — TreasuryDirect (2023)

Note: For these special situations, you want a different page.

Death of a savings bond owner

Living estates (where a court has appointed a legal guardian for someone who owns bonds)

Trusts (where a trustee wants to cash savings bonds)

Some changes in information result in our reissuing the savings bond. Some do not.

This page tells you whether we need to know about a change and, if we do, how to tell us.

Note: If your savings bond will mature (stop earning interest) in the next month, we will not reissue it. Series EE and I bonds mature 30 years from their issue date.

We also do not reissue old bonds that have stopped earning interest. You should cash them. See Cashing EE and I savings bonds

What changes do NOT require reissuing EE or I bonds?

We do not reissue bonds in these situations. This table tells what to do instead.

The situation What you should do
You got married or divorced and changed your name When you cash in a paper EE or I bond, sign both your name that is on the bond and your current name with the reason for the name change.


Mary Smith, Mary Jones (name changed due to marriage)

Mary Jones, Mary Smith (name changed due to divorce)

Your name has a minor typo When you cash in a paper EE or I bond, sign your correct name.
You moved and have a new address You do not need to do anything. The address on your paper EE or I bond was just to mail it to you. The address does not affect ownership of the bond.
The bond has the wrong Social Security Number (SSN) If the SSN on the bond shows as ***** and then the last 4 numbers, that is NOT a problem. We do that to protect your privacy.

If the SSN is really wrong –

We don't reissue the bond to correct an SSN. However, please let us know. If we ever need to search our database for your bond, we search by SSN. So it's good to have the bond listed in our database with the correct SSN.

To correct the SSN on a paper savings bond, do not send the bonds. Send only this information.

  1. Write a letter to us with this information:
    1. The incorrect SSN
    2. The correct SSN
    3. For each bond that has the wrong SSN:
      1. Serial number of the bond
      2. Issue date
      3. Denomination (Is it a $50 bond, a $100 bond, or a different dollar amount?)
      4. Registration (Who owns the bond: owner, co-owner [if there is one], and beneficiary [if there is one])
  2. For an EE or I paper bond, send the letter to

    Changing information about EE or I savings bonds (reissuing) — TreasuryDirect (1)

    Treasury Retail Securities Services
    P.O. Box 9150
    Minneapolis, MN 55480-9150

When must we reissue EE or I bonds?

We must reissue Series EE and I bonds in these situations:

  • Correct a major error
  • Comply with a court-ordered change of a living owner
  • Change the owner, co-owner, or beneficiary, as regulations allow


  • We reissue EE and I savings bonds in electronic form only. The owner of the reissued EE or I bond must have an account in our online program, TreasuryDirect.
  • We reissue EE and I savings bonds only in the name of the owner. Later, the owner may add a secondary owner or beneficiary.
  • Reissuing a bond doesn’t change the issue date of the bond.
  • When using FS Form 4000, be sure to look through the table on the first page to see who must sign the form for the change you are requesting.

Correct a major error

For a major error, such as

  • the first or last name of an owner, co-owner, or beneficiary is not on the bond
  • a name is misspelled and it's not a minor typo

Fill out and send us FS Form 4000 and the bonds.

(Video) Buying I Bonds Step by Step on Treasury Direct

A court-ordered change of a living owner

A court has appointed a guardian, conservator, or similar representative for the estate of a living owner. This may happen for

  • a minor (child)
  • a person who cannot handle his or her own finances due to age or illness
  • an absentee

Fill out and send us

  • FS Form 4000
  • the bonds
  • either a court order or letters of appointment
(Video) I Bonds Explained - EVERYTHING You Need To Know About I Bonds

Change the owner, co-owner, or beneficiary

In your TreasuryDirect account, you can:

(Video) Why You Should ONLY Buy I Bonds in April or October (Series I Savings Bonds)

  • add another person as secondary owner
  • add or remove a beneficiary
  • name a new owner instead of a current living owner
  • change the name of an owner, co-owner, or beneficiary because of marriage, annulment, divorce, or court order. (Note: This change is allowed but not required.)

Notes about who can make these changes:

  • A bond owner may change the beneficiary. The beneficiary does not have to agree to the change.
  • A co-owner whose name has changed may change his or her name. The other co-owner does not need to sign the form.
  • If 2 living people co-own a bond and want to make a change other than a name change, both must agree and sign the appropriate form:

Convert your paper bond EE or I bond to an electronic bond.

Will I have to pay taxes when you reissue the bond?

You are the original owner. We reissued it to someone else. You no longer own it. If you have not been paying tax on the bond's interest every year, you now owe tax on all the interest the bond earned while you owned it. You will not owe tax on interest the bond earns for the new owner.

You are the new owner. You will in the future owe tax on interest the bond earns from the time you became the owner. You do not owe tax on interest the bond earned before you owned it.

See Tax information for EE and I savings bonds

Getting the IRS form about the interest your bonds earned

Each year, we tell you and the IRS about the interest you must report on your federal tax return. (IRS Form 1099-INT)

Electronic bonds

Early in the year, you can get your IRS Form 1099-INT in your TreasuryDirect account.

  1. Go to your TreasuryDirect account.
  2. Select the ManageDirect tab.
  3. Under "Manage My Taxes", choose the relevant year.
  4. Near the top of your "Taxable Transaction Summary", choose the link to view your 1099.

NOTE: Your "Taxable Transaction Summary" is NOT your 1099.

(Video) I-Bond Interest Explained: When Does It Show Up & What's The I-Bond Calculator Formula?


How do I speak to someone at TreasuryDirect? ›

For help unlocking or accessing your account, please call us at 844-284-2676.

Can you change EE bonds to I bonds? ›

You may convert Series EE and I Savings Bonds registered in your name alone, and in your name with a co-owner or beneficiary (POD). With a few exceptions, you'll have the same flexibility with converted bonds as you have with securities bought in TreasuryDirect.

How do I change my TreasuryDirect registration? ›

Log into your primary TreasuryDirect® account. Click the BuyDirect tab at the top of the page. On the BuyDirect page, choose the series of Savings Bonds and click "Submit". Under the heading Registration Information, choose the desired registration from the drop-down box.

Do EE bonds ever lose value? ›

Series EE savings bonds are a low-risk way to save money. They earn interest regularly for 30 years (or until you cash them if you do that before 30 years). For EE bonds you buy now, we guarantee that the bond will double in value in 20 years, even if we have to add money at 20 years to make that happen.

Is there a way to replace lost savings bonds? ›

To file a claim for a savings bond that is lost, stolen, or destroyed, complete a Claim for Lost, Stolen, or Destroyed United States Savings Bonds (FS Form 1048). Please sign the form in the presence of an authorized certifying officer (available at a bank, trust company, or credit union).

What happens to a TreasuryDirect account when the owner dies? ›

If the person who died has an online TreasuryDirect account, contact us. We will put a hold on the account and tell you what to do.

Does TreasuryDirect withhold? ›

If we hold your securities, we can ease your tax burden by withholding taxes for you during the year. Each time we pay interest, we can withhold part of the interest for taxes. The 1099 you get for that year will show what you earned and the amount we withheld for taxes.

Is TreasuryDirect Gov a real government site? ›

Frauds, Phonies, & Scams — TreasuryDirect. A . gov website belongs to an official government organization in the United States.

Is there a downside to I bonds? ›

I Bond Cons

The initial rate is only guaranteed for the first six months of ownership. After that, the rate can fall, even to zero. One-year lockup. You can't get your money back at all the first year, so you shouldn't invest any funds you'll absolutely need anytime soon.

Which is better Series EE or I bonds? ›

EE Bond and I Bond Differences

EE bonds offer a guaranteed return that doubles your investment if held for 20 years. There is no guaranteed return with I bonds. The annual maximum purchase amount for EE bonds is $10,000 per individual whereas you can purchase up to $15,000 in I bonds per year.

Does it matter whose Social Security number is on a savings bond? ›

The individual owns the U.S. Savings Bond if only his or her name appears on it. The Social Security Number shown on a bond is not proof of ownership. EXAMPLE: A U.S. Savings Bond title reads, “John Smith.” Only John Smith can cash that bond.

Can I open a second TreasuryDirect account? ›

A TreasuryDirect Primary account is your personal account you open in TreasuryDirect. Once a Primary account is opened, you may establish Minor, Custom, and Conversion Linked accounts that are accessed only from your Primary account.

How do you retitle bonds? ›

The legal representative of the estate needs to complete a Request To Reissue United States Savings Bonds (FS Form 4000). If Series HH bonds are being reissued, the legal representative must complete and sign a Direct Deposit Sign-Up Form (FS Form 5396) for direct deposit of the interest payments.

Can I change my I Bond Registration? ›

The registration for a bond you set at the time of purchase can be changed post-purchase. If you didn't set a second owner or a beneficiary when you first bought the bonds or if you change your mind at a later time, you can add, remove, or change the second owner or the beneficiary at any time.

What is the catch with I bonds? ›

The catch with I Bonds, which you can hold on to for up to 30 years, is this: You may not cash it out in the first year. And to get the full amount of interest owed, you have to hold the bond for at least five years. Otherwise, you will sacrifice three months of interest.

Is there a penalty for not cashing in matured EE savings bonds? ›

There is no penalty if you simply hold onto the bond after five years. There is value in holding onto most bonds. The longer they mature, the more interest bonds earn.

When should you cash out EE savings bonds? ›

Most savings bonds stop earning interest (or reach maturity) between 20 to 30 years. It's possible to redeem a savings bond as soon as one year after it's purchased, but it's usually wise to wait at least five years so you don't lose the last three months of interest when you cash it in.

What is a good replacement for bonds? ›

The Best Bond Alternatives Right Now
  • Real Estate Investment Trusts (REITs) Real estate investment trusts (REITs) are one of the most popular bond alternatives. ...
  • Dividend Stocks. ...
  • Master Limited Partnerships (MLPs) ...
  • Preferred Stocks. ...
  • High-Yield Savings Accounts. ...
  • Alternative Assets.

What do I do with expired savings bonds? ›

If your savings bond from a Series other than EE, I, or HH has finished its interest-earning life, you could cash it and use the money for something else – a project, a financial need, or a new investment like an interest-earning savings bond or other Treasury security.

Can you cash old savings bonds not in your name? ›

Note: Do not buy savings bonds from someone else or in an online auction site. You cannot cash them. You can only cash bonds that you own or co-own unless you have legal evidence or other documentation that we accept to show you are entitled to cash the bond. How do I know how much my bond is worth?

Do my wife and I need separate TreasuryDirect accounts? ›

A married couple must open two separate TreasuryDirect accounts if both spouses wish to purchase I Bonds. Each account is limited to purchasing $10,000 per person per calendar year, so if you want to purchase $20,000 in a year, you need two accounts.

Can I cash my deceased parents savings bonds? ›

Don't cash the bond.

The customer must have a certified death certificate.

Can I name a beneficiary on my TreasuryDirect account? ›

Once in your TreasuryDirect account, the bond will be registered in your name alone. You can then add either a secondary owner or beneficiary. Once you have a TreasuryDirect account, you can convert other paper bonds you own to electronic bonds.

Why was my TreasuryDirect account locked? ›

You'll likely need to call the TreasuryDirect customer service at 844-284-2676 if you're locked out of your account because you entered the wrong password or security question answers too many times.

Do you pay income taxes on EE bonds when cashed? ›

Owners can wait to pay the taxes when they cash in the bond, when the bond matures, or when they relinquish the bond to another owner. Alternatively, they may pay the taxes yearly as interest accrues. 1 Most owners choose to defer the taxes until they redeem the bond.

Is TreasuryDirect a legitimate company? › is the one and only place to buy and redeem U.S. savings bonds and other securities directly from the U.S. Treasury! Your investments are backed by the full faith and credit of the United States government.

Are Series I bonds a good investment? ›

Series I savings bonds are conservative, safe investments that rise and fall with inflation, and they're earning far more than the best high-yield savings account or certificate of deposit. The guaranteed rate of return for an I bond is currently 6.89%.

Is TreasuryDirect the only place to buy I bonds? ›

The Treasury Department, the federal body that issues I bonds, offers two purchase methods. The main way is to go online using, and the I bonds bought through this website are digital. There's also an entirely separate way to purchase paper I bonds.

Can you call TreasuryDirect? ›

NOTE: Currently, callers to (844) 284 - 2676 may experience longer than normal wait times. You may elect to submit your question or inquiry by e-mail to or you can visit our website at for more information and resources.

What is the downside to Series I bonds? ›

Another disadvantage is I bonds can't be purchased and held in a traditional or Roth IRA. The I bonds have to be held in a taxable account. A final disadvantage of I bonds is there is an interest penalty if the bonds are redeemed in the first five years.

What are the disadvantages of Series I bonds? ›

Cons of Buying I Bonds

I bonds are meant for longer-term investors. If you don't hold on to your I bond for a full year, you will not receive any interest. You must create an account at TreasuryDirect to buy I bonds; they cannot be purchased through your custodian, online investment account, or local bank.

Are I bonds good for retirees? ›

I bonds can be an excellent addition to a retiree's fixed income allocation. With built-in inflation protection and low-risk levels, they're a beneficial way for retirees to beat inflation without risking short-term losses like investing in the stock market.

What is a better investment than I bonds? ›

Much as I love I Bonds, the government's inflation-adjusted savings bonds, Treasury Inflation-Protected Securities (TIPS), may be a better option today. They are providing an even better yield over inflation than I Bonds.

What will the I bond rate be in November 2022? ›

The composite rate for I bonds issued from November 2022 through April 2023 is 6.89%.

Can I buy both Series EE and I bonds? ›

You may purchase up to $10,000 each of electronic EE and I Savings Bonds, per person (individual or entity), each calendar year. Purchases of any other Treasury securities do not alter the purchase limits for electronic EE and I Savings Bonds.

Do I have to report savings bonds on my taxes? ›

Interest from your bonds goes on your federal income tax return on the same line with other interest income.

Can a bank refuse to cash a savings bond? ›

There are circumstances under which a bank can refuse to issue payment for a bond, or in fact may be legally unable to do so. In these cases, the bearer may have to visit a Federal Reserve Bank Savings Bond Processing Site to redeem the bond.

Should I give my bank my Social Security number? ›

You'll want to keep your number private and still get the information you need. Some banks have keypads, which allow customers to type in their own Social Security number so they don't have to speak the number out loud. If this isn't an option, ask the teller or representative for a scratch sheet of paper.

Can you convert EE bonds to I bonds? ›

You may convert Series EE and I Savings Bonds registered in your name alone, and in your name with a co-owner or beneficiary (POD). With a few exceptions, you'll have the same flexibility with converted bonds as you have with securities bought in TreasuryDirect.

Can you look up savings bonds by Social Security number? ›

All U.S. savings bonds purchased after that year have an electronic record. The U.S. Treasury Department set up an extremely convenient database at Treasury, which allows you to enter in your social security number to see if any matured savings bonds are ready for you to grab.

How do I cash in old EE savings bonds? ›

You cannot cash them. You can only cash bonds that you own or co-own unless you have legal evidence or other documentation that we accept to show you are entitled to cash the bond.

How much is an EE bond worth after 20 years? ›

We guarantee that the value of your new EE bond at 20 years will be double what you paid for it. (If you have an EE bond from before May 2005, it may be earning interest at a variable rate. See more at EE bonds.)

What happens to EE savings bonds when owner dies? ›

If a surviving co-owner or beneficiary is named on the savings bond, the bond goes directly to that person. It does not become part of the estate of the person who died. If you are the named co-owner or beneficiary who inherits the bond, you have different options for paper EE or I bonds and paper HH bonds.

What happens to Series EE bonds after 30 years? ›

EE bonds earn interest until the first of these events: You cash in the bond or it reaches 30 years old. Therefore, many of these bonds have stopped earning interest. If you moved your EE bond into a TreasuryDirect account, we pay you for the bond as soon as it reaches 30 years and stops earning interest.

What is the downside of an I bond? ›

I Bond Cons

The initial rate is only guaranteed for the first six months of ownership. After that, the rate can fall, even to zero. One-year lockup. You can't get your money back at all the first year, so you shouldn't invest any funds you'll absolutely need anytime soon.

Is TreasuryDirect gov legit? ›

Home — TreasuryDirect. A .gov website belongs to an official government organization in the United States. A lock () or https:// means you've safely connected to the .gov website. Share sensitive information only on official, secure websites.

What happens to unclaimed savings bonds? ›

When savings bonds reach final maturity, and cease earning interest, the Bureau does not notify the bondholder. For those fully matured bonds remaining unredeemed, there is no active program by the Bureau to locate the bondholders and pay them the proceeds to which they are entitled.


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