Identify the bond type (Series EE, Series I, or other)
Check eligibility and redemption rules (owner, co-owner, beneficiary, and holding period requirements)
Confirm the bond is in your possession and that your name matches the owner on record
If the bond is electronic (TreasuryDirect):
Sign in to TreasuryDirect
Select “Redeem Securities”
Choose the bond(s) to redeem and enter redemption details
Submit the request and confirm
Receive payment via your selected TreasuryDirect payment method
If the bond is paper:
Ensure you are the registered owner (or have required documentation if not)
Complete the redemption process by visiting a bank or financial institution that cashes savings bonds, or use the required mail-in process if applicable
If required, complete the appropriate redemption form(s)
Provide identification and any required supporting documents
Submit the bond(s) and forms as instructed by the cashing location or the applicable mailing process
Receive payment (typically deposited or issued as a check, depending on the method)
Review any limitations on timing and penalties for early redemption (as applicable)
For lost or stolen bonds:
File a claim for replacement through Treasury (as required)
Redeem after replacement is processed, if needed
For bonds with changes in ownership (deceased owner, name changes, trusts):
Gather required legal documents (e.g., death certificate, court documents, assignment forms)
Complete Treasury/TreasuryDirect updates before redemption, if required
Verify the redemption amount and payment date after submitting the request
Keep records of the redemption confirmation and any payment documentation