How to cash savings bonds by mail

Cashing a savings bond by mail is a convenient and secure way to redeem your bond. Here's a step-by-step guide to help you cash your savings bond by mail:

Before You Start

1. Make sure your bond is eligible for redemption. Most savings bonds can be cashed by mail, but some may have specific requirements or restrictions.
2. Gather the necessary documents:
   • The savings bond(s) you want to cash
   • A completed Form PD F 1522 (Redemption Request) (available on the Treasury Department's website or by calling 1-800-722-2678)
   • A valid government-issued photo ID (such as a driver's license or passport)
   • Your Social Security number or Individual Taxpayer Identification Number (ITIN)

Step 1: Fill Out the Redemption Request Form

1. Download and complete Form PD F 1522 (Redemption Request) from the Treasury Department's website or request one by calling 1-800-722-2678.
2. Fill out the form accurately and legibly. Make sure to include the following information:
   • Your name and address
   • The serial number and denomination of the bond(s) you want to cash
   • The reason for redemption (e.g., "Cash by Mail")
3. Sign the form in the presence of a notary public, if required.

Step 2: Prepare Your Bond

1. Make sure your bond is in good condition and not mutilated.
2. If your bond is a paper bond, you'll need to attach it to the redemption request form using a paper clip or rubber band.
3. If your bond is an electronic bond (e.g., a Series EE or Series I bond purchased online), you'll need to provide the bond's serial number and other identifying information.

Step 3: Mail Your Redemption Request

1. Send your completed redemption request form, along with your bond(s) and supporting documents, to:
   • Bureau of the Fiscal Service
   • P.O. Box 4260
   • Minneapolis, MN 55402-4260
2. Use a secure and trackable mail service, such as USPS Priority Mail or UPS, to ensure your package is delivered safely and efficiently.

Step 4: Wait for Your Payment

1. The Treasury Department will process your redemption request and send you a check or direct deposit payment within 10-14 business days.
2. If you choose direct deposit, you'll need to provide your bank account information on the redemption request form.
3. Keep in mind that it may take longer to receive your payment if your bond is being held for taxes or other reasons.

Tips and Reminders

• Make sure to keep a record of your redemption request, including the serial number and denomination of your bond, in case you need to verify the transaction.
• If you're cashing a bond that's been held for taxes, you may need to provide additional documentation or pay any outstanding taxes before receiving your payment.
• The Treasury Department may contact you if there's an issue with your redemption request, so be sure to respond promptly to any inquiries.

By following these steps, you can safely and securely cash your savings bond by mail. If you have any questions or concerns, you can contact the Treasury Department's Bureau of the Fiscal Service at 1-800-722-2678 or visit their website at www.treasury.gov.