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U.S. savings bonds (TreasuryDirect)

Old paper or electronic U.S. savings bonds that were never cashed, including bonds that have matured and stopped earning interest (EE and I bonds earn interest for up to 30 years), plus lost, stolen or destroyed bonds.

Run by
U.S. Department of the Treasury, Bureau of the Fiscal Service (TreasuryDirect / Treasury Retail Securities Services).
Cost
Free

How to check and claim

  1. Paper EE or I bond you have: ask your bank whether it cashes bonds, or send FS Form 1522 and the bonds to Treasury.

  2. Lost, stolen or destroyed bond: file FS Form 1048 to replace or cash it.

  3. Not sure whether a bond was already cashed: write to Treasury Retail Securities Services, P.O. Box 9150, Minneapolis, MN 55480-9150, with the serial numbers (do not send the bonds).

  4. Electronic bonds: sign in to your TreasuryDirect account and use ManageDirect > Redeem securities.

Go to the official site.

Open official site

Claiming is free. Your state never charges a fee to search or to claim. Be careful with letters, calls or texts that ask for a fee, a percentage or your bank login to release money. Search the official state site yourself.

Other places to check

MissingMoney.com and NAUPA state unclaimed property searchIRS refunds from tax returns never filed (3-year rule)IRS undelivered or lost refund checks (Where's My Refund?)NAIC Life Insurance Policy LocatorPBGC unclaimed pension searchRetirement Savings Lost and Found Database (Department of Labor)FDIC unclaimed funds from failed banksNCUA unclaimed deposits from closed credit unionsHUD/FHA mortgage insurance premium refundsVA unclaimed life insurance fundsSEC and FTC refunds from enforcement casesClass action settlements: how to check that one is real
Sources

Last checked: Oct 2026.