Savings bond forms are free FS forms that owners and heirs send to Treasury, and 4 tasks decide which one you need: cash, replace, reissue or settle a decedent's bonds.
Every main form goes by mail to Treasury Retail Securities Services, the office in Minneapolis that processes savings bond forms for Treasury. Owners and heirs of US savings bonds of every series use that one address for the 10 main forms.
This page sorts 10 main forms and 17 narrower ones by situation, revision date and signature rule. Most of these forms were revised between March and May 2026, so a copy saved years ago can be out of date.
ClaimMyBonds is a private, independent site, not Treasury or TreasuryDirect. New to the topic? Our guide to US savings bonds explains what they are and how owners and heirs claim them.
Which Savings Bond Form Do You Need? 20 Situations and Their FS Forms
20 situations cover nearly every savings bond request an owner or heir sends Treasury, and each one has its own FS form. The table sorts them into 4 groups: cash or replace (5), change or reissue (5), after a death (7) and electronic bonds (3).
| Group | Situation | FS form(s) | Rule |
|---|---|---|---|
| Cash or replace | Cash your own paper bonds by mail (the redemption form) | FS Form 1522 | 31 CFR 353.39 |
| Cash electronic bonds by mail when you cannot do it online | FS Form 5512 | 31 CFR 363 | |
| Replace lost, stolen, destroyed or mutilated paper bonds | FS Form 1048, plus FS 2243 to correct or add facts | 31 CFR 353.25 to 353.29 | |
| Bonds bought or mailed but never received | FS Form 3062-4 | 31 CFR 353.27 | |
| A disinterested person vouches for a claimant's identity | FS Form 0385 | form text | |
| Change or reissue | Change a name, beneficiary or co-owner, or remove a deceased co-owner (EE and I go electronic) | FS Form 4000 | 31 CFR 353.45 to 353.51 |
| Reissue paper bonds to a personal trust | FS Form 1851 | 31 CFR 353.47 | |
| Act for an owner under a power of attorney | FS Form 5188 or a certified copy of an existing POA (FS Publication 0105) | 31 CFR 353.40(d) | |
| Owner incapacitated, no guardian, all bonds $20,000 or less | FS Form 2513 | 31 CFR 353.64(a) | |
| Let Treasury release information to a named person | FS Form 5456 | form text | |
| After a death | Co-owner or POD beneficiary survives | survivor cashes (FS 1522 or a bank) or reissues (FS 4000) | 31 CFR 353.70 |
| Court estate open | FS Form 1455 to distribute; FS 1522 to cash into the estate | 31 CFR 353.71(a), 353.76 | |
| Court estate closed, or a state small-estate procedure | FS Form 5394 | 31 CFR 353.71(b), (c) | |
| No court, no state procedure, $100,000 or less at the date of death | FS Form 5336 | 31 CFR 353.71(e) | |
| No eligible relative; an unpaid creditor claims | FS Form 1050 | 31 CFR 353.71(f) | |
| An heir gives up the bonds | FS Form 1849 | form text | |
| A deceased owner's Retirement Plan or Individual Retirement Bonds, no administration | FS Form 3565 | form text | |
| Electronic bonds | Move bonds between TreasuryDirect accounts (gift, divorce, estate) | FS Form 5511 | 31 CFR 363.55 |
| Owner of a TreasuryDirect account died | contact Treasury, which places a hold on the deceased owner's TreasuryDirect account; then FS 5511 or 5512 as instructed | 31 CFR 363.44 | |
| Correct an account name, SSN or date of birth | FS Form 5446 | 31 CFR 363 |
Which savings bond form fits which situation. Sources: TreasuryDirect Forms for Savings Bonds and death-of-owner pages; 31 CFR parts 353 and 363; form PDFs checked November 11, 2026. Series E and older bonds follow the parallel sections of 31 CFR part 315; Series I, part 360.
A surviving co-owner (the second owner, named with "OR") or POD beneficiary (named "payable on death") needs no estate form. The survivor becomes sole owner (31 CFR 353.70(b)(1), (c)(1)), then cashes the bond with FS Form 1522 or at a bank, or reissues EE and I bonds electronically with FS Form 4000.
Otherwise, after a death, the estate decides the form. An estate open in court uses FS Form 1455 (Rev. April 2026) to distribute the bonds, or FS Form 1522 to cash them into the estate.
A closed court estate, or a state small-estate procedure such as a small estate affidavit, Summary Administration, Texas Muniment of Title or Louisiana Judgment of Possession, uses FS Form 5394 (Rev.
May 2026). FS Form 5336 (Rev. April 2026) fits only with no court case, no state procedure and $100,000 or less at the date of death. Above $100,000 in Treasury securities, a court must administer the estate under 31 CFR 353.71.
Where to Get Savings Bond Forms: Free Official PDFs
Every savings bond form is free from TreasuryDirect, as a PDF at treasurydirect.gov/forms/sav plus the form number. TreasuryDirect's Forms for Savings Bonds list links each one; FS Form 1522, for example, sits at treasurydirect.gov/forms/sav1522.pdf. Three forms break the pattern: FS 5444 is acctauth.pdf, FS 5511 is pdf5511.pdf and FS 5512 is sec5512.pdf.
Printable and fillable copies on other websites are not Treasury's copies, and they can carry an old revision. Each official PDF prints its revision date on the form, such as "Revised April 2026" on FS Form 1522.
Compare that date with the revision column in the two tables below before you sign. Treasury Retail Securities Services states that it charges no fees for its work on savings bonds.
The official savings bond forms are PDFs that you print, sign in ink and mail with your bonds and evidence. TreasuryDirect, Treasury's website for electronic bonds and accounts, also posts instruction booklets next to the forms. The 5 instruction publications for owners and heirs are listed below.
- FS Publication 0063, instructions for a surviving co-owner or beneficiary (Rev. January 2025)
- FS Publication 0064, instructions for estates administered by a court (Rev. January 2025)
- FS Publication 0065, instructions for estates settled without administration (Rev. January 2025)
- FS Publication 0107, filing a claim for lost, stolen or destroyed bonds (Rev. August 2022)
- FS Publication 0105, power of attorney for savings bonds and notes (Rev. March 2025)
A publication explains a form but does not replace it. Each publication prints its own revision date, so check it the same way you check a form.
The 10 Main Savings Bond Forms: Revision, Pages and Signature Rule
The 10 main savings bond forms all carry a 2026 revision, from March 2026 for FS Form 1048 and 5511 to May 2026 for FS Form 5394.
The other 7 (FS 1522, 5336, 4000, 5512, 1455, 1851 and 5188) were revised in April 2026. The table gives each form's official title, revision, length and notary rule.
The 10 main savings bond forms, as of November 11, 2026. Source: the form PDFs on treasurydirect.gov/forms. OMB control numbers (the federal approval number printed on each form): 1522: 1530-0028; 1048: 1530-0021; 5336: 1530-0055; 4000: 1530-0025; 5512 and 5511: 1530-0071; 1455: 1530-0035; 1851: 1530-0036; 5394: 1530-0046; 5188: 1530-0042.
The notary column splits the 10 forms: FS 1522, 1048, 4000 and 1851 accept a notary, FS 5336 accepts one only for paper bonds alone, and FS 5188 is silent.
FS 1455, 5394, 5511 and 5512 need a certifying officer. Every one of the 10 goes to the same address, Treasury Retail Securities Services in Minneapolis.
Other FS Forms for Savings Bond Owners and Heirs
17 more FS forms serve narrower cases, from FS Form 3062-4 for bonds that never arrived to FS Form 2513 for an incapacitated owner. FS Form 2513 pays only when all the owner's bonds and notes total $20,000 or less (31 CFR 353.64(a)).
Ten of them were revised in April 2026; FS 2513 and FS 3565 date from August 2022, FS 2966 from July 2025 and FS 5257 from October 2015. The table lists all 17, plus 2 IRS forms that savings bond owners meet at tax time.
| Form and official title | Revised | Use | Certification |
|---|---|---|---|
| FS 0385: Certificate of Identity | March 2026 | a disinterested person vouches for identity in a payment claim | certifying officer |
| FS 1050: Creditor's Request for Payment of Treasury Securities Belonging to a Decedent's Estate Being Settled Without Administration | March 2026 | unpaid creditor, no administration; paid up to the debt, no reissue | certifying officer; no notary |
| FS 1849: Disclaimer and Consent with Respect to United States Treasury Securities | April 2026 | give up your rights so another person is paid or reissued; not by a minor | certifying officer |
| FS 2243: Supplemental Statement for United States Securities | April 2026 | supports an FS 1048 or 3062-4 claim (e.g. corrected serial numbers) | notary or certifying officer |
| FS 2490: Description of United States Savings Bonds & Notes | April 2026 | list of bonds in your possession | no certification block |
| FS 2513: Application by Voluntary Guardian of Incapacitated Owner of United States Savings Bonds or Savings Notes | August 2022 | payment if all the owner's bonds and notes total $20,000 or less | certifying officer; no notary |
| FS 2778-1: Certification Attachment | April 2026 | extra signature and certification boxes | certifying individual |
| FS 2966: Special Bond of Indemnity by Purchaser of United States Savings Bonds/Notes Involved in a Chain Letter Scheme | July 2025 | refund of the purchase price of bonds bought for a chain letter | certifying officer |
| FS 3062-4: Claim for United States Savings Bonds Not Received | April 2026 | bonds bought but never received | certifying officer; no notary |
| FS 3500: Continuation Sheet for Listing Securities | April 2026 | extra bond lines for FS 1522, 1048 and others | none (attachment) |
| FS 3565: Application for Disposition of Retirement Plan and/or Individual Retirement Bonds Without Administration of Deceased Owner's Estate | August 2022 | heirs of Retirement Plan or Individual Retirement Bonds; no reissue after death | certifying officer |
| FS 4239: Request by Owner or Person Entitled to Payment or Reissue of United States Savings Bonds/Notes Deposited in Safekeeping When Original Custody Receipts Are Not Available | April 2026 | bonds held in Treasury or Federal Reserve safekeeping | no notary |
| FS 5257: Change of Address Notification for HH/H Accounts | October 2015 | address change for an H or HH account (or e-mail SavBond1@fiscal.treasury.gov) | none |
| FS 5396 (+ 5396-1): Direct Deposit Sign-Up Form | April 2026 | direct deposit of a redemption payment | none |
| FS 5444: TreasuryDirect Account Authorization | March 2026 | activate a TreasuryDirect account offline; form has a hardlock removal box | certifying officer or notary; no bank address stamp |
| FS 5446: TreasuryDirect Offline Transaction Request | April 2026 | account changes that cannot be made online | certifying officer; no notary |
| FS 5456: Authorization for Release of Information | April 2026 | lets Treasury release information to persons you name | no certification block |
| IRS 8815 and 8818: Exclusion of Interest From Series EE and I U.S. Savings Bonds Issued After 1989; Optional Form To Record Redemption of Series EE and I U.S. Savings Bonds Issued After 1989 | 2025; December 2007 | education exclusion (Form 8815); 8818 is a record you keep, never sent to the IRS | none |
Other FS forms for savings bond owners and heirs, as of November 11, 2026. Source: TreasuryDirect form PDFs and IRS. 17 FS forms plus 2 IRS forms. FS Form 3600 (redemption tables) is no longer published.
FS Form 5446: TreasuryDirect Offline Transaction Request
FS Form 5446 (Rev. April 2026, OMB 1530-0071) is the TreasuryDirect Offline Transaction Request: it makes account changes that cannot be made online. It changes or corrects the account name, corrects the Social Security number or date of birth, edits restricted converted bonds, or changes an entity account or its manager.
Five kinds of signers use it, including the account owner, a parent of a minor owner and an attorney-in-fact (a person acting under a power of attorney).
Evidence depends on the change, such as a death certificate or letters of appointment (court papers naming an estate's representative) dated within one year. FS Form 5446 must be signed before a certifying officer, because it states: "Notary certification is not acceptable." The form goes to P.O. Box 9150 in Minneapolis.
FS Form 5396: Direct Deposit Sign-Up Form
FS Form 5396 (Rev. April 2026, OMB 1530-0050) is the Direct Deposit Sign-Up Form: it sends a savings bond redemption payment to your bank account. It also covers Series H and HH interest payments, and FS Form 5396-1 is its attachment.
The form takes about 10 minutes. The payee signs; for a joint bank account, only the person whose taxpayer number is shown signs. It has no signature certification block.
Direct deposit matters because Treasury pays mailed redemptions only that way. FS Form 1522, for example, asks for a 9-digit routing number that starts with 0, 1, 2 or 3. Every Series HH bond reached final maturity, the date a bond stops earning interest, by August 1, 2024. An HH bond can therefore only be cashed, never kept or reissued.
Forms That Are Not for Savings Bond Owners
5 form numbers that turn up in searches are not savings bond forms for owners or heirs. They are listed below with what each one really is.
- FS Form 7600A and FS Form 7600B: agreements between federal agencies
- FS Form 1980: registered marketable Treasury bonds and notes, not savings bonds
- FS Form 2517: filed by a paying bank for bonds it has already paid
- FS Form 3600: redemption tables that Treasury no longer publishes
There is also no "FS Form 5174" for conversion. Paper bonds are converted to electronic bonds online through SmartExchange, Treasury's conversion tool inside a TreasuryDirect account. You list the bonds there on a conversion manifest, with up to 50 bonds per cart.
How to Complete, Sign and Mail a Savings Bond Form
File a savings bond form in 6 steps: get the current PDF, fill it in, sign it correctly, add evidence, mail it, and wait for direct deposit. On FS Form 1522, the signature rule depends on total value, which a savings bond calculator gives for paper EE and E bonds.
- Download the current revision from TreasuryDirect.
- Fill in every item the form asks for; attach FS Form 3500 when the bonds do not fit.
- Total the current redemption value (what the bonds are worth today) with our savings bond calculator, built on Treasury's published value files. FS Form 1522 at $1,000 or less needs no certification, only a copy of your driver's license, passport, state ID or military ID; above $1,000, sign before a notary or certifying officer.
- Add the evidence the form asks for, such as certified death certificates. Treasury does not return evidence (FS Form 1522).
- Sign close to the mailing date. A payment request signed more than six months before Treasury receives the bond is not accepted (31 CFR 353.39(c)).
- Mail the form, bonds and evidence to Treasury Retail Securities Services, P.O. Box 9150, Minneapolis, MN 55480-9150. Its phone line is 844-284-2676, Monday to Friday, 8am to 6pm Eastern time.
Every form also prints "Bureau of the Fiscal Service, Forms Management Officer, Parkersburg, WV 26106-1328". That office takes only Paperwork Reduction Act comments about the form itself. Never send a completed form or bonds there, or to the old P.O. Box 214 in Minneapolis.
Savings bond signature certification means a certifying officer, or a notary where the form allows one, watches you sign and confirms who you are. Certifying officers are officers of US-incorporated banks, trust companies and other institutions listed in 31 CFR 353.55.
ClaimMyBonds does not certify signatures. The rules for signers in the Armed Forces or abroad, under 31 CFR 353.55(b) and (c), are part of savings bond signature certification.
How Long Treasury Takes to Process Savings Bond Forms
Treasury takes 3 months or longer to cash paper bonds sent in by the person named on them, and 11 months or longer for lost-bond searches. TreasuryDirect publishes 6 processing times by type of request, as of November 11, 2026, listed below.
- Cash paper bonds in your name: 3 months or longer
- Transactions not in your name, such as estates: 5 months or longer
- Convert paper bonds to electronic: 9 months or longer
- Trusts and other TreasuryDirect requests: 10 months or longer
- Lost, stolen or missing bond searches: 11 months or longer
- Unlock an account or update bank details: 2 weeks or longer
Treasury publishes no processing time for a single form, such as FS Form 5336, 1455, 5394 or 5444. The times describe the type of request, not the form you file. Each one is a minimum ("or longer"), not a promise of a date.
Source: TreasuryDirect Contact Us, processing times as of November 11, 2026.
Savings Bond Forms by Task: Cashing, Finding, Inheriting and Taxes
4 tasks lead to most savings bond forms: cashing bonds, finding lost bonds, settling a decedent's bonds and reporting the interest. Each task below names its main form and the rule behind it. Whichever task you start with, the FS forms come from the same TreasuryDirect list and go to the same Minneapolis address.
Cashing Savings Bonds
Paper savings bonds are cashed at a bank that chooses to cash them, or by mail with FS Form 1522 (Rev. April 2026). Banks may cash paper bonds but are not required to (FS Publication 0022, Rev. October 2022).
The mail route has no value limit and pays by direct deposit. Bank and mail routes are compared step by step in our guide on how to cash savings bonds.
Finding Lost Savings Bonds
Treasury Hunt, Treasury's former online search, has not been available since September 30, 2025, and no online search replaced it. TreasuryDirect now points owners to its forms page.
Lost, stolen or destroyed paper bonds are claimed with FS Form 1048 (Rev. March 2026). The other ways to find lost or missing savings bonds, including state programs, are covered in our lookup guide.
Savings Bonds After a Death
A surviving co-owner or POD beneficiary owns the bond outright; otherwise the estate route decides the form, as the "After a death" group in the first table shows.
If the decedent's Treasury securities, including savings bonds at redemption value and any held payments, total more than $100,000 at the date of death, a court must administer the estate (31 CFR 353.71(d)).
How heirs cash or reissue inherited bonds, step by step, is the subject of our guide to savings bonds after death.
Taxes on Savings Bond Interest
Savings bond interest is federally taxable in the year the bond is cashed or reaches final maturity, whichever comes first, unless you report it yearly (26 CFR 1.454-1(a)(1); yearly reporting is an election under 26 U.S.C. 454(a)).
It is exempt from state and local income tax (31 U.S.C. 3124(a)). For a bond that reached final maturity in an earlier year, that earlier year is the year the rule names.
The interest appears on Form 1099-INT, the IRS statement of interest paid. A tax professional can apply the rules of taxes on savings bond interest to your own return.
Savings Bond Form Questions
What is FS Form 5444 used for?
FS Form 5444 (Rev. March 2026), the TreasuryDirect Account Authorization, is the form Treasury uses to activate a TreasuryDirect account when offline verification is needed. The form also has a box labeled to remove a hardlock. It takes about 5 minutes.
You sign it before a certifying officer or a notary; a bank address stamp is not acceptable. Since October 28, 2026, TreasuryDirect login runs through ID.me only, and a successful ID.me login unlocks accounts locked for failed logins. Other ways out when you are locked out of TreasuryDirect are covered there.
What should I do if I lost my savings bonds?
File FS Form 1048 (Rev. March 2026) for paper bonds that are lost, stolen or destroyed. Treasury replaces EE and I bonds only as electronic bonds in TreasuryDirect, and pays HH bonds by direct deposit. Treasury Hunt, the old online search, closed on September 30, 2025.
Do banks still cash out savings bonds?
Yes: banks that choose to cash savings bonds still pay paper Series E, EE and I bonds and Savings Notes, but no bank is required to. Series H and HH bonds are cashed only by Treasury, by mail. Our list of what banks cash savings bonds gives each bank's published policy with the date it was checked.
How do I get a FS form 1522?
Download FS Form 1522 (Rev. April 2026) free from treasurydirect.gov/forms/sav1522.pdf. It has 4 pages and takes about 15 minutes. Print it, sign it and mail it with the bonds to P.O. Box 9150 in Minneapolis.
Do savings bond forms need a notary?
Only some do. FS 1522 (above $1,000), 1048, 2243, 4000, 1851 and 5444 accept a notary, and FS 5336 accepts one only for paper bonds alone. FS 1455, 5394, 5511, 5512, 5446, 1050, 2513, 3062-4 and 4239 need a certifying officer. FS 5188, 0385, 1849 and 3565 name only a certifying officer.
Is there a form to convert paper savings bonds to electronic?
No. There is no paper form for conversion, and "FS Form 5174" does not exist. Paper Series E, EE and I bonds of $25 or more are converted online with SmartExchange, which takes 9 months or longer (as of November 11, 2026). The steps to convert paper savings bonds to electronic start inside a TreasuryDirect account.
Are savings bond forms free?
Yes. Every FS form is free on TreasuryDirect, and Treasury Retail Securities Services states that it charges no fees. Postage, and a notary where one is used, can still cost money.
What is FS Form 3500?
FS Form 3500 (Rev. April 2026) is the Continuation Sheet for Listing Securities: extra lines for bonds that do not fit on FS 1522, FS 1048 or another main form. The signer of the main form signs it, with no separate certification.
Forms checked November 11, 2026, against the PDFs on TreasuryDirect. Read how we check every form and rule.