How do I cash in a savings bond?

To cash in a savings bond(s) at your local branch you must meet the following:

  • A signer on a U.S. Bank checking, savings or money market account that has been open for five (5) years or more.
  • Listed as the owner or co-owner of the savings bonds.

If you do not meet the requirements above or would like to complete the redemption by mail, you can visit the TreasuryDirect site for the forms and instructions.

  • For redemptions over $1,000, the required form must be certified; the certification can be completed at your local branch.
  • If you’re not listed as the owner or co-owner, legal evidence or other documentation must be submitted to show you’re entitled to it. Please be aware, any legal evidence and supporting documentation sent will be kept.

Feel free to save time by scheduling an appointment with one of our branch bankers. with one of our bankers.

Additional information

  • Savings bonds cannot be transferred.
  • is the main resource to locate interest rates, final maturity dates and additional information regarding all types of savings bonds.