FS Form 5512 (Revised April 2026) is the Treasury form you mail to cash electronic Series EE and I savings bonds held in a TreasuryDirect account, or to add or change the account's bank information, when you cannot do it online.
You sign the form in ink before a certifying officer, such as a bank officer, not a notary, and mail it to Minneapolis. Treasury pays by direct deposit, and a bank update takes two weeks or longer (TreasuryDirect, as of November 11, 2026).
ClaimMyBonds is a private company, not the government, and it cannot act inside your TreasuryDirect account. The form is free, and Treasury charges no fee to manage an account.
What Is FS Form 5512 Used For?
FS Form 5512, the "TreasuryDirect Redemption and/or Bank Change Request", lets the owner of a TreasuryDirect account redeem (cash in) electronic Series EE or I savings bonds and/or add or edit bank information by mail.
One form can do one job or both. It carries OMB control number 1530-0071, shared with FS Form 5444, FS Form 5446 and FS Form 5511, and an older designation is "PD F 5512". Our savings bond forms hub shows every FS form and where to get it.
That control number covers the whole TreasuryDirect System, not this form alone. The Federal Register notice of October 2, 2026 (91 FR 62814) counts 3,875,552 respondents for that collection.
The table below summarizes the form.
| Attribute | Detail |
|---|---|
| Official title | TreasuryDirect Redemption and/or Bank Change Request |
| Revision | April 2026 |
| OMB control number | 1530-0071 (shared with FS 5444, 5446, 5511) |
| treasurydirect.gov/forms/sec5512.pdf | |
| Covers | Electronic EE and I bonds and the Certificate of Indebtedness; not paper |
| Jobs | Redeem and/or add or edit bank information |
| Signer | Owner, entity account manager, or parent for a minor account |
| Certification | Certifying officer; no notary |
| Mail to | Treasury Retail Securities Services, P.O. Box 9150, Minneapolis |
| Payment | Direct deposit |
| Cost | The form is free; TreasuryDirect charges nothing to manage an account |
Source: FS Form 5512 (Rev. April 2026); TreasuryDirect, November 11, 2026.
Which Electronic Savings Bonds FS Form 5512 Cashes, and Why Paper Bonds Are Excluded
FS Form 5512 covers 2 kinds of holdings in a TreasuryDirect account: electronic Series EE and Series I savings bonds, and the zero-percent Certificate of Indebtedness (C of I) (31 CFR 363.131, 363.136). The form is not for paper savings bonds of any series.
Over-the-counter paper sales ended January 1, 2012 (76 FR 66855), and paper I bonds bought with tax refunds ended January 1, 2025, so recent bonds are electronic. Our overview of electronic savings bonds explains how these account records work.
When to Use FS Form 5512 Instead of Cashing in TreasuryDirect
Cash electronic bonds online in TreasuryDirect when you can sign in, and use FS Form 5512 when you cannot reach the account or need a bank change by mail.
Online, you can cash $25 or more to the cent if at least $25 stays in a partly cashed bond (31 CFR 363.54, 363.57). The table compares the two routes.
| Point | Online | FS Form 5512 |
|---|---|---|
| Access | ID.me sign-in | No sign-in needed |
| What you cash | $25 or more, to the cent; $25 stays | All bonds, one account or listed bonds |
| Signature | None beyond sign-in | Ink, before a certifying officer |
| Money goes to | Primary bank account | Bank on file or named on form |
| Published time | Not published | Bank update two weeks or longer; redemption not listed |
| Current value | Shown in the account | Not on the form |
| Fee | None | None; form is free |
Source: 31 CFR 363.54, 363.57 (eCFR); TreasuryDirect, November 11, 2026.
TreasuryDirect has accepted only ID.me sign-ins since October 28, 2026, and Login.gov does not work. An owner locked out of TreasuryDirect by failed logins is unlocked by a successful ID.me login, and TreasuryDirect says the funds "are not permanently frozen or seized"; only online access is restricted.
Our guide to being locked out of TreasuryDirect covers ID.me, hardlocks and holds. TreasuryDirect cannot fix ID.me problems. TreasuryDirect accounts require a U.S. address of record, and the ID.me Wallet address must be in the U.S.
Who Can Sign FS Form 5512?
Three kinds of signers sign FS Form 5512, listed below.
- The account owner, for a personal account
- The entity account manager, for a trust, decedent's estate, living estate or business account
- A parent, for a minor linked account
An entity account has one manager, and a change of manager uses FS Form 5446. A minor's account goes on hold at age 18 until it is delivered to the new adult, who opens an own account with ID.me.
How to Fill Out FS Form 5512: Account, Bonds, Bank and Signature
FS Form 5512 asks for 4 things: the TreasuryDirect account, what to redeem, the bank account for payment or the bank change, and the signature with a certifying officer's certification. The table lists each part with the rule to watch. Read the boxes on the PDF itself.
| Part | What you provide | Rule to watch |
|---|---|---|
| Account | Account number | A letter plus 9 numbers; 11 digits is Legacy |
| What to redeem | All, one account or listed bonds | A C of I balance counts |
| Bank | U.S. account that accepts ACH | Add or edit |
| Signature | Owner, manager or parent | Ink; certifying officer; no notary |
Source: FS Form 5512 (Rev. April 2026).
Choosing What to Redeem: All Bonds, One Account or Listed Bonds
The redemption part of FS Form 5512 offers 3 choices, listed below.
- All bonds, including linked accounts
- The bonds in one account
- Listed bonds, by confirmation number
Partial cashing is described only for the online route (31 CFR 363.57).
Adding or Changing Bank Information With FS Form 5512
The bank part of FS Form 5512 adds a bank account to a TreasuryDirect account or edits the existing one, and TreasuryDirect says the request takes two weeks or longer (as of November 11, 2026).
The account must be at a U.S. bank or credit union and accept ACH, the electronic transfer network. A TreasuryDirect account number is a letter plus 9 numbers (A123-456-789); 11 digits is a Legacy Treasury Direct account, which this form does not serve.
Under 31 U.S.C. 3105(f)(6), added by the SECURE 2.0 Act (enacted December 29, 2022), an electronic bond with no or incorrect bank data that is more than 3 years past final maturity and unredeemed is an "applicable savings bond", and the statute requires Treasury to give its owner's name and address to the state of that address.
A state receives them only after signing an information-sharing agreement (31 CFR 323.11(b)), and as of November 11, 2026 no state is publicly known to have one.
The Certificate of Indebtedness on FS Form 5512 After August 24, 2026
The form can still redeem a C of I balance, but since August 24, 2026 the C of I is "no longer available as a payment destination" (TreasuryDirect C of I FAQ). Treasury is redeeming C of I balances to the primary bank account through fall 2026.
Treasury has not said where proceeds of newly matured bonds go instead.
Does FS Form 5512 Need a Notary? Certifying Officer Only
No, FS Form 5512 does not use a notary: you sign it in ink in front of a certifying officer, and the form states "Notary certification is not acceptable."
A certifying officer is a person authorized to witness your signature, such as an officer or employee of a bank or other depository institution, with the institution's seal or signature guarantee stamp. Abroad, it includes U.S. diplomatic or consular officials. The table compares FS 5512 with three neighboring forms.
| Form | Use | Notary accepted? |
|---|---|---|
| FS 5512 | Cash electronic bonds, bank change | No, certifying officer only |
| FS 5511 | Transfer electronic bonds | No |
| FS 5444 | Account authorization (form has a hardlock box) | Yes (or certifying officer) |
| FS 1522 | Cash paper bonds | Yes above $1,000 |
Source: form PDFs, November 11, 2026.
FS Form 5444 and FS Form 1522 take a notary while FS Form 5511 and FS Form 5512 do not. The rules for savings bond signature certification differ by form, so check before you visit a bank. ClaimMyBonds does not certify signatures.
Where to Send FS Form 5512 and How Long It Takes
Mail FS Form 5512 to Treasury Retail Securities Services, P.O. Box 9150, Minneapolis, MN 55480-9150. The same office takes calls on 844-284-2676, and the address is the same for FS Form 5444, FS Form 5511 and FS Form 5446.
Treasury Retail Securities Services
P.O. Box 9150
Minneapolis, MN 55480-9150
Phone: 844-284-2676 (toll free), Monday to Friday, 8am to 6pm ET; from outside the US +1 (304) 480-6464
Source: FS Form 5512 (Rev. April 2026); TreasuryDirect, November 11, 2026
TreasuryDirect publishes processing times on its Contact Us page: two weeks or longer for unlocking an account or updating banking details, and ten months or longer for "trusts and other TreasuryDirect requests". It does not list FS Form 5512 redemptions separately (as of November 11, 2026). The table shows the published times.
| Request | Published time |
|---|---|
| Unlock an account or update banking details | Two weeks or longer |
| Trusts and other TreasuryDirect requests | Ten months or longer |
| Cash paper bonds in your name | Three months or longer |
| Convert paper to electronic | Nine months or longer |
Source: TreasuryDirect Contact Us, as of November 11, 2026. FS 5512 redemptions are not listed separately.
After FS Form 5512: Direct Deposit, Form 1099-INT and the Holding Rules
Treasury pays every FS Form 5512 redemption by direct deposit to the bank account on file or named on the form.
Treasury reports bond interest on a 1099-INT, the IRS interest statement. Our guide to Form 1099-INT for savings bonds explains how it is reported and taxed.
TreasuryDirect posts it in your account by January 31. Interest is federally taxable when the bond is redeemed or reaches final maturity, whichever comes first, unless you report it yearly (26 U.S.C. 454). It is exempt from state and local income tax (31 U.S.C. 3124); a tax professional applies this to your return.
The holding rules still apply. A bond must be held 12 months if issued February 1, 2003 or later, and 6 months if issued earlier (31 CFR 351.6, 359.6).
Cashing before 5 years costs the last 3 months of interest on I bonds and on EE bonds issued May 1997 or later (31 CFR 351.31, 351.35(e), 359.7).
FS Form 5512 for Heirs, Estates and Disaster Areas
Four groups use FS Form 5512 in special cases: survivors of a deceased account owner, estate representatives, heirs after an estate procedure, and owners in a declared disaster area.
After an account owner dies, contact TreasuryDirect first. It puts a hold on the account and gives instructions. A survivor gives proof of death. A court-appointed representative opens an estate account with letters of appointment dated within one year.
An estate above $100,000 needs administration (31 CFR 363.44). Treasury pays an heir who is unable, unwilling or ineligible to open an account (31 CFR 363.126).
FS Form 5336 and FS Form 1455 name FS Form 5511 (transfer) and FS Form 5512 (redemption) for the person entitled to the bonds.
In a declared disaster area, you cash electronic bonds under one year old by calling 844-284-2676 or by mailing a certified FS Form 5512 marked DISASTER on the envelope and at the top of the first page (TreasuryDirect disaster page).
| Situation | What Treasury requires | Owner page |
|---|---|---|
| Account owner died | Contact TreasuryDirect; hold; instructions | a deceased owner's TreasuryDirect account |
| Beneficiary or secondary owner survives | Proof of death; transfer or redemption | what the beneficiary gets |
| Estate above $100,000 or court case open | Representative opens estate account; letters within one year | savings bonds in probate |
| Estate of $100,000 or less, no administration | Voluntary representative files FS 5336; then FS 5511 or 5512 | FS Form 5336 |
| Fiduciary distribution | FS 1455, then FS 5511 or 5512 | FS Form 1455 |
| Heir unable, unwilling or ineligible to open an account | Payment under 31 CFR 363.126 | None |
| Minor linked account | Parent signs; hold at 18 | cashing a savings bond in a child's name |
| Declared disaster area, bond under one year | Call 844-284-2676 or certified FS 5512 marked DISASTER | when you can cash savings bonds |
Source: TreasuryDirect death-of-owner and disaster pages, November 11, 2026; 31 CFR 363.44, 363.126.
FS Form 5512 and Other Ways to Cash or Move Savings Bonds
FS Form 5512 cashes electronic bonds only, and 2 neighboring forms move electronic bonds or cash paper bonds. Our guide to how to cash savings bonds covers every route.
Moving Electronic Bonds Instead of Cashing Them: FS Form 5511
FS Form 5511 (Revised March 2026) transfers electronic bonds to another TreasuryDirect account instead of cashing them. It also needs a certifying officer and no notary, and each EE or I bond moves whole. See FS Form 5511.
Cashing Paper Savings Bonds: FS Form 1522, Not FS Form 5512
Paper bonds are cashed at a paying-agent bank or by mail with FS Form 1522 (Revised April 2026), which accepts a notary when the total current redemption value is above $1,000.
Converting first is not required to cash and takes nine months or longer, so convert paper savings bonds to electronic only if you want an account.
FS Form 5512 FAQ
Can You Submit FS Form 5512 Online?
No. You sign FS Form 5512 in ink before a certifying officer and mail it. The online route is redeeming inside your account.
Where Do You Get the FS Form 5512 PDF?
Download sec5512.pdf from TreasuryDirect's Forms for Savings Bonds list and check that it reads "Revised April 2026". In a search check of November 2026 the PDF that ranked first for the form number was FS Form 1851, a paper-bond trust reissue form.
Can a Third Party Cash Your Electronic Bonds or Access Your TreasuryDirect Account?
No. TreasuryDirect says there are no Treasury approved apps or third-party websites for account access, and ClaimMyBonds, a private company, cannot access or cash anyone's bonds. See our guide to savings bond scams.
What Happens to a Savings Bond if the Person Dies?
A co-owner, secondary owner or beneficiary takes the bond, and otherwise it belongs to the estate. Our guide to savings bonds after death explains who takes the bond.
How Do You Find the Value of an Electronic Savings Bond?
Only your TreasuryDirect account shows an electronic bond's current value. TreasuryDirect's calculator and our savings bond calculator, built on Treasury's published value files, cover paper bonds.
How Long Does TreasuryDirect Take to Update Bank Information?
Two weeks or longer, per TreasuryDirect's Contact Us page as of November 11, 2026.
Rules checked November 11, 2026, against the Treasury sources named above; see our methodology.