savings bonds

Can anyone cash in your savingsbonds? says do not fret about your paper bonds being cashed in by an unauthorized person if they are ever lost or stolen.

Savings Bonds are a registered security, meaning only the person(s) named on the actual (paper) bonds can redeem them (or parents or guardians in the case of a child or handicapped person). Banks or financial institutions should ask for proper ID before redeeming any bonds.

Note: If there are two co-owners listed on the paper savings bond (usually the word “or” appears between the two names) either person can cash in the bond without the other persons consent.


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