How to Check If a Bond Has Been Cashed

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Savings bonds have long been a popular tool for investors--more than 55 million people own them. They're government backed, and they provide a guaranteed return. According to the Treasury Department, there are billions of dollars in savings bonds that have matured but haven't been cashed in. There are about $14 billion in unclaimed bonds. If you had at least one savings bond, and you're not sure whether it was cashed, there are ways to find out.

  • Log onto the Treasury Direct website (see Resources). Under the "Individuals" section, click on the link that reads "Check Treasury Hunt to see if you own matured savings bonds." Scroll down on the next page to the blue "Start Search"

    button and click on it.

  • Key into the box the Social Security Number (SSN) or the Employer Identification Number (EIN) that's on the bond; click on the "Search" button. If the system finds a match to either number, you'll be taken to another screen. Otherwise, you'll get a message telling you there was no match found.

  • E-mail the Treasury Department if you couldn't find your matured bond in the Treasury Direct system and you're sure you have one. It can search its microfiche records.

  • Write to the Bureau of the Public Debt at PO Box 1328, Parkersburg, WV 26106-1328, to check if a bond has been cashed. Include the serial number, the face value and the the issue date in your signed status request. If you've received the savings bonds because of a death, you'll need to include a copy of the death certificate too.

Tips & Warnings

  • You may check if a bond has been cashed no matter whose name it's in, as long as you have an SSN or EIN. Detailed information about the bond may be accessed only by the owner or co-owner. Treasury Hunt provides information only on matured Series E bonds issued in 1974 and afterward. If your bond hasn't been cashed, instead it's been lost, stolen or destroyed, contact the Department of the Treasury, Bureau of the Public Debt. You may be able to get the bond replaced or get its cash value.
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