After you’ve completed and confirmed the form, you can mail it to the US Treasury Department at:
What should I do if my savings bonds are lost?
Complete a Claim for Lost, Stolen, or Destroyed United States Savings Bonds to register a claim for a savings bond that has been lost, stolen, or destroyed (FS Form 1048). Please sign the form in the presence of a certifying officer who is authorized to do so (available at a bank, trust company, or credit union).
Is it possible to look for savings bonds by name?
The TreasuryDirect service maintained by the federal government can help you discover any outstanding or unclaimed savings bonds in your name.
Where can I look for my uncashed savings bonds?
To look for uncashed savings bonds in your name, go to the Treasury Department’s TreasuryDirect website. To see results, enter your social security number or Employee Identification Number (EIN) into the Treasury Hunt page’s search area and click the “Search” button.
How do I find out whether I have any bonds in my name?
A: Because the Treasury Hunt website is arranged by social security number, it only includes savings bonds purchased from 1974 to the present. That is when social security numbers were first required. If you feel you may be owed money from an older bond, fill out this form or contact 1-800-553-2663 to request a manual search.
A: You will be encouraged to file a preliminary claim if you find a bond for yourself or your family on the Treasury Hunt website.
(Make sure you don’t skip this step.) Since its launch, the Treasury Hunt website has received 350,000 hits based on social security numbers, but only 100,000 people have provided their contact information to collect their bonds.)
A Treasury Department “finder” will then contact you to obtain additional information and investigate your claim. If you are a match, the finder will either mail you claim forms or you can download them from the internet.
A certified signature is required on savings bond claim forms. This procedure entails visiting a bank, credit union, or other financial institution, presenting identification, and signing paperwork in the presence of a bank officer or notary who validates your signature as valid.
Q: Is there anything else I can do if I believe there should be savings bonds in my name but can’t discover any?
A:Yes.
The Treasury Department adds a half million bonds to the database every month when they mature, so check back often.
Q: I suspect I may possess bonds that have not yet matured but which I have lost track of. What is the best way for me to look for those?
A:You can request a bond search by filling out this form or calling 1-800-553-2663. Treasury officials will look into your request depending on the information you’ve provided, such as your social security number.
A: Over the years, the Treasury has issued a variety of savings bond series, each of which is slightly different.
However, the Treasury Hunt search system’s basic series “EE” savings bond worked as follows:
1. You paid half the face value for the bond.
A $50 bond, for example, would cost $25.
2.After 20 years, that EE bond was guaranteed to increase to its face value. As a result, a $25 savings bond would have increased to $50.
3. After that, the EE bond would continue to receive income for another ten years.
4.The EE bond had fully matured after 30 years and was no longer earning income.
As a result, it’s ideal to cash it in or reinvest it so that your money can begin to work for you again.
Q: I purchased savings bonds several years ago but never received them.
How do I go about getting my money?
These are referred classified as “undeliverable” bonds by the Treasury Department.
The answer is to request a manual search once more. You can fill out a request form or call 1-800-553-2663 to do so.
Q: I have a record of the dates and types of savings bonds that I possess.
How can I tell if they’re no longer earning interest?
A: The Treasury Department’s website has charts that will show you.
Still undecided?
The Treasury’s “Bond Wizard” is a good place to start.
The Series H bonds, which were issued from June 1952 to January 1957, pay interest for 29 years and 8 months.
How long does it take to restore savings bonds that have been lost?
The Bureau of the Public Debt could usually locate down and reissue your bonds within three to four weeks if you had the serial number. However, without all of that data, the procedure could take months.
You can also use the Treasury Hunt tool to discover if the Bureau of the Public Debt has any undeliverable savings bonds for your children or any bonds that are no longer earning interest. Because Treasury Hunt may not have a record of all savings bonds (only Series E savings bonds issued after 1974 that have attained maturity), submitting a form for lost or stolen savings bonds is still necessary.
Even if nothing appears on TreasuryHunt, you can check the Treasury Securities That Have Stopped Earning Interest table to see the status once the bonds are reissued, as most bonds stop earning interest after 30 years, which is right around the age of the bonds you’re looking for.
If the bonds are still collecting income, you can verify their current value using TreasuryDirect.gov’s Calculate the Value of Your Paper Savings Bonds tool.
How can I get free stock and bond searches?
Go to www.treasurydirect.gov and type in your Social Security number or the name of any family member who may have owned a missing bond. You can start your “Treasury Hunt” to determine if you are owed any money so that you can get it for free.
How do I track down missing EE savings bonds?
You can verify if you have any lost bonds before submitting anything, according to Leslie H. Tayne, founder of the Tayne Law Group. “Treasuryhunt.gov, which lists matured, uncashed savings bonds, is a shortcut you can employ to find lost savings bonds,” Tayne explains.
Treasury Hunt is an online service provided by the Treasury Department. In 2017, the tool was retired, but it was resurrected in 2019.
Fill out Form 1048
Fill out Form 1048, “Claim for Lost, Stolen, or Destroyed United States Savings Bonds,” on the US Treasury’s website at treasurydirect.gov to look for lost savings bonds.
Tayne advises, “Fill out as much of the form as possible.” “Ask for the purchaser’s Social Security number and an estimate of the purchase timeline.”
Verify for your form
Don’t just sign your form after you’ve completed it to the best of your ability. It must be accredited. This isn’t easy, according to Justin Pritchard, a financial consultant at Approach Financial. “Getting your signature validated is the most difficult element of the procedure,” Pritchard explains. “To finish the process, you’ll need a signing guarantee or another appropriate kind of documentation. Unfortunately, having a paper notarized isn’t enough.”
Go to your local financial institution, such as a bank or credit union, to have your form confirmed. You will sign the form and have it confirmed by the institution’s certifying officer rather than a notary. Make an appointment with your bank or other financial institution ahead of time to see whether they have a certifying officer.
Is it possible to check my savings bonds online?
Log in to your TreasuryDirect account to see the current value of your electronic bonds. Check to see whether you hold any bonds. Make sure the serial number you enter is correct. Ascertain that a bond can be cashed.
Is it possible to cash savings bonds that are not in your name?
When it comes time to cash in your savings bonds, as long as you have the necessary documentation, the process will be relatively simple. It’s important to keep in mind that savings bonds cannot be sold, exchanged, or given away. The only person who can cash in the bond is the person whose name is on it (with a few exceptions, which we’ll discuss shortly).
First and first, you’ll need the bond (unless it’s an electronic bond, in which case there’s no step at all). The monies are deposited into your bank account once you cash it in via the Treasury Web site). However, make certain that the bond may be cashed: It’s been at least a year since it was published (some bonds only require a six-month retention period).