Confirm the bond is eligible for cashing
Check the bond’s issue date and maturity date
Gather valid government-issued photo identification
Find a bank or credit union that cashes paper savings bonds
Call ahead to confirm their bond-cashing policy
Endorse the bond if required by the institution
Complete any required forms
Present the bond and identification in person
Receive payment by cash, deposit, or check depending on the institution
If the bond is damaged or partially destroyed, contact TreasuryDirect for instructions
If the bond is lost, stolen, or destroyed, file the appropriate claim with the U.S. Treasury
Report interest on your tax return if required
Keep a record of the transaction for your files