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You can get your cash for an EE or I savings bond any time after you have owned it for 1 year. However, the longer you hold the bond, the more it earns for you (for up to 30 years for an EE or I bond). Also, if you cash in the bond in less than 5 years, you lose the last 3 months of interest.
TO PAY BONDS TO A VOLUNTARY REPRESENTATIVE OF A NONADMINISTERED ESTATE: The person applying as voluntary representative must complete a Disposition of Treasury Securities Belonging to a Decedents Estate Being Settled Without Administration (FS Form 5336).
Savings bonds earn interest until they reach maturity, which is generally 20-30 years, depending on the type purchased.
Sign this form in the presence of a certifying individual. FS Form 5396. Direct Deposit Sign-Up Form. Request direct deposit of interest payments or a redemption payment.
Upon the death of the owner, the security becomes the property of the surviving beneficiary, despite any attempted testamentary disposition or any applicable local law to the contrary. (v) If the beneficiary does not survive the owner, the security belongs to the estate of the owner.