How to Recover U.S. Savings Bonds

U.S Savings Bonds are commonly given as gifts, or even as a bonus payment from an employer. If you need to recover your bond because of loss or theft you can do so by filling out a form or contacting the institution that awarded the bond. Your action will depend on whether or not you ever received the bond.

Instructions

    • 1

      Contact the institution you ordered the bond from if the bond was lost before you received it; that is, if you never received the bond. You will be asked to fill out a replacement bond form, which varies by institution. Contact your employer if you received the bond through a payroll savings plan. Most claims can't be filed until at least 30 days after the bond was issued.

    • 2

      Fill out Form 1048 if your bond was lost or destroyed after your received it. You can request the form by mail or download it as a PDF at the U.S. Treasury website, Treasurydirect.gov. You will need the issue date, face amount, bond number and the Social Security number of the person it was issued to.

    • 3

      Provide an explanation for why you need to recover your bond along with the date of loss or theft if stolen.

    • 4

      Provide information on your authority or claim. If your name isn't listed on the bond, you will need to be a parent, guardian, conservator, legal representative, administrator, executor, etc., in order to request a replacement.

    • 5

      Specify whether you would like to receive another bond or payment for the bond. If you would like payment, you will need to provide a name to be listed on the check. You can also choose to have funds directly deposited into your bank account. You will need your account number and routing number if you choose to do this.

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