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As the survivor, you have four options: Do nothing. The bond will continue to earn interest until the bond matures. ... Cash (redeem) the bond. Reissue: Have the bond reissued in the survivor's name. ... Submit a certified copy of the owner's death certificate, along with FS Form 5396 (download or order).
Some accounts need additional identity verification In some cases, investors must fill out an account authorization form to prevent fraud, according to a Treasury official. This requires signing the form at a bank or credit union, notated with a \u201csignature guarantee,\u201d before mailing it back.
The bond is part of the estate of the person who died last. The surviving person becomes the owner as if the survivor had been the only owner from the time the bond was issued. For the tax implications of this situation, see \u201cWho pays taxes and when\u201d further down this page.
The bond is part of the estate of the person who died last. The surviving person becomes the owner as if the survivor had been the only owner from the time the bond was issued. For the tax implications of this situation, see \u201cWho pays taxes and when\u201d further down this page.
U.S. Treasury securities are debt instruments. The U.S. Department of the Treasury issues securities to raise the money needed to operate the federal government.
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Treasury securities\u2014including Treasury bills, notes, and bonds\u2014are debt obligations issued by the U.S. Department of the Treasury. Treasury securities are considered one of the safest investments because they are backed by the full faith and credit of the U.S. government.
If the bonds are $100,000 or less and the estate has not been formally administered through court, the beneficiary can request to cash in the bond by mailing a signed and notarized FS Form 5336 with the bond and proof of death to the Bureau of Public Debt.
TO CASH BONDS FOR A DECEDENT'S ESTATE: Series EE, Series E, and Series I bonds can be cashed at a local financial institution. Some of these transactions may have to be forwarded for further processing. Series HH and Series H bonds must be sent to one of the addresses shown at the bottom of the following page.
The Treasury Retail Securities site at the Federal Reserve Bank of Minneapolis assists financial institutions in the redemption and servicing of savings bonds. Consumers may purchase electronic savings bonds through Treasury's online system, TreasuryDirect® (Off-site).
The Treasury Retail Securities site, located in Minneapolis, handles the servicing of savings bonds, including customer support and reissue transactions.

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