Minnesota unclaimed savings bonds are claimed free in one of 2 ways: from the Minnesota Department of Commerce when it holds the paper bond, or from Treasury with FS Form 1048 when it does not.
The state's only bond rule, Minn. Stat. 345.47 subd. 3, directs held savings and war bonds to be presented to the United States for payment.
Minnesota has no escheat statute and no lawsuit in our sources (checked November 11, 2026). ClaimMyBonds is a private, independent guide, not Commerce, the state, Treasury, TreasuryDirect or Treasury Hunt, and we cannot search their records. To see how other states compare, read our hub on savings bonds and state unclaimed property offices.
Does Minnesota Hold Unclaimed Savings Bonds?
Minnesota holds a US savings bond only when the Department of Commerce's unclaimed property program has physically received the paper bond; a bond that exists only on Treasury's records, and every electronic bond, stays with Treasury.
Commerce runs the program under Minn. Stat. chapter 345 (sections 345.31 to 345.60, the Uniform Disposition of Unclaimed Property Act). The table below shows where Minnesota stands.
| Attribute | Detail | Source |
|---|---|---|
| Agency | Minnesota Department of Commerce, Unclaimed Property | Minn. Stat. ch. 345 |
| Search | unclaimedproperty.mn.gov | State program site |
| Bond rule | "United States government savings bonds and United States war bonds shall be presented to the United States for payment." | Minn. Stat. 345.47 subd. 3 |
| Escheat statute | None in our sources | 80 FR 80259 |
| Lawsuit | None in our sources | Court records |
| Commerce's bond pointer | Lists undeliverable bonds and links TreasuryDirect | Commerce page |
| Held-bond list | None found | Checked November 11, 2026 |
| 323.11 agreement | None publicly known | 89 FR 102735 |
| Treasury's mail office | Retail Securities Services, Minneapolis (federal) | TreasuryDirect |
| Cost of a claim | Free | Owner rule |
Minnesota and savings bonds at a glance, as of November 11, 2026. Sources: Minn. Stat. ch. 345, 80 FR 80259, 89 FR 102735.
Paper bonds usually reach a state program through an abandoned safe deposit box, and Missouri's held bonds come that way. We found no Minnesota list or count of held bonds. Missouri runs the only verified state bond name search, and no national name search exists.
What the Minnesota Department of Commerce Tells Savings Bond Owners
The Minnesota Department of Commerce's own unclaimed property page lists "Undeliverable US savings bonds or bonds no longer earning interest" among other sources of unclaimed property and links TreasuryDirect, so the state itself sends bond owners to Treasury. Source: the Commerce unclaimed property page, read November 11, 2026.
Treasury Hunt was Treasury's own search tool, launched February 5, 2001. TreasuryDirect states: "As of September 30, 2025, the Treasury Hunt® tool is no longer available." No online replacement exists, and older pages that still list it are out of date, because Treasury Hunt is closed since September 30, 2025.
How to Search Minnesota Unclaimed Property for a Savings Bond
Search Minnesota unclaimed property for a savings bond under the owner's name at unclaimedproperty.mn.gov, and claim any paper bond the Department of Commerce holds for free. This page covers savings bonds only; other unclaimed money is outside it. The 4 steps are below.
- Type unclaimedproperty.mn.gov into your browser yourself; never follow a link in a letter, text or ad.
- Search the name exactly as printed on the bond, plus former and married names; how to read a paper savings bond shows where it appears.
- Repeat the search for each co-owner, POD (payable on death) beneficiary and deceased owner.
- Claim each listing that could be a savings bond, or email Commerce to ask.
How to Claim a Savings Bond From the Minnesota Department of Commerce
Claiming a savings bond from the Minnesota Department of Commerce costs nothing, and Commerce sets the proof of ownership each claim needs. We found no Minnesota claim form, document list, payment method or payment time in our sources, so follow the steps on unclaimedproperty.mn.gov.
Ask Commerce whether it still holds the paper bond or has already presented it under 345.47 subd. 3. A returned bond stays registered to the person named on it. The Saint Paul address below is Commerce's general one.
Minnesota Department of Commerce, Unclaimed Property
Search and claim: https://unclaimedproperty.mn.gov/
Program page: mn.gov/commerce/money/unclaimed-property/
Email: unclaimed.property@state.mn.us
Phone: 651-539-1545 or 1-800-925-5668
Department of Commerce contact address: 85 7th Place East, Suite 292, Saint Paul, MN 55101
Source: Minnesota Department of Commerce program page, checked November 11, 2026; links checked November 12, 2026. ClaimMyBonds is not affiliated with the Minnesota Department of Commerce.
Cashing a Paper Savings Bond Minnesota Returns to You
Cash a paper savings bond that Minnesota returns like any other paper bond: at a bank that offers the service, or by mail to Treasury with FS Form 1522 (Rev. April 2026). Banks may cash paper bonds but are not required to (FS Publication 0022, Rev. October 2022).
Series F, G, H, J, K and HH go to Treasury only. The form needs a certified signature only above $1,000 in total current redemption value, and Treasury pays by direct deposit. The steps for how to cash savings bonds cover the bank and the mail route.
The interest is federally taxable and exempt from state and local income tax, Minnesota's included (31 U.S.C. 3124(a)). Series and issue month set a bond's value, and our calculator, built on Treasury's published value files, prices it.
If Minnesota Does Not Hold Your Savings Bond: Claim From Treasury With FS Form 1048
Claim a savings bond from Treasury with FS Form 1048 (Rev. March 2026) when Minnesota does not hold it: Treasury searches its records for lost, stolen or destroyed paper bonds, and the form is free.
That answers "U.S. Treasury unclaimed money" for bonds: Treasury counts 103,064,737 matured unredeemed savings bonds, all series, as of September 30, 2026 (Fiscal Data).
Sign the form in ink before a notary or certifying officer (a person authorized to verify your signature). The serial number is required 6 years or more after final maturity (31 CFR 315.29(c), 353.29(c)). Send the FS Form 1048 claim for lost savings bonds to the address in the next section.
No public site searches Treasury's records by name or Social Security number. Searches take 11 months or longer, and cashing a bond in your name takes 3 months or longer (TreasuryDirect, as of November 11, 2026).
Treasury Retail Securities Services in Minneapolis Is Federal, Not a Minnesota Office
Treasury Retail Securities Services, at P.O. Box 9150, Minneapolis, MN 55480-9150, is Treasury's office for mailed savings bond claims and cashing, and it has no connection to Minnesota's unclaimed property program in Saint Paul.
Every current FS form for owners and heirs names this address. You can call 844-284-2676, Monday to Friday, 8am to 6pm ET (as of November 11, 2026).
The office has no walk-in service, so living in Minnesota gives you no counter to visit. TreasuryDirect says: "we charge no fees, nor do we offer gifts for working with our office." TreasuryDirect account login runs through ID.me only since October 28, 2026.
Old federal rule text still prints a superseded P.O. Box, so use the address on the form. To cash paper bonds by mail with FS Form 1522, send them to that same Minneapolis address.
Minn. Stat. 345.47 Subd. 3: Minnesota's Savings Bond Payment Clause
Minn. Stat. 345.47 subd. 3 is Minnesota's only savings bond rule: "United States government savings bonds and United States war bonds shall be presented to the United States for payment."
We read it in Minn. Stat. chapter 345 on November 11, 2026. The statute requires bonds in Commerce's custody to be presented for payment, not sold.
The clause is not an escheat statute, and subdivision 3 names no court, waiting period or notice for savings bonds.
War bonds are Series E bonds sold as the Defense Savings Bond (1941) and the War Savings Bond (1942 to 1945), worth the same as any Series E bond of the same issue month and face value; see war bonds.
What Federal Rules Let Minnesota Be Paid For
Federal rules let Treasury pay a state, at its discretion, only for a paper bond at final maturity that the state possesses and owns by court judgment (31 CFR 315.88, 353.88; 80 FR 80258, December 24, 2015). Minnesota has no escheat statute in our sources and is not on Treasury's 2015 list (80 FR 80259).
Whether Treasury ever paid Minnesota for a presented bond is not in our sources. LaTurner v. United States, 933 F.3d 1354 (Fed. Cir. August 13, 2019; certiorari denied October 5, 2020), held that federal law preempts, meaning overrides, state escheat of bonds a state does not hold.
LaTurner also held that a state with neither the paper bond nor its serial number cannot redeem it, and that bonds belong to their original owners. A bond Minnesota does not hold stays the owner's. The Unclaimed Savings Bond Acts of 2019 and 2021 were not enacted. Ask a Minnesota attorney about a specific bond.
Minnesota's Place in the State Savings Bond Disputes
Minnesota is not a party to any savings bond dispute in our sources: it received no Treasury refusal letter, joined no appeal, filed no joint comment, brought no suit and filed no amicus brief. The table reads each dispute from Minnesota's side.
| Dispute or step | Who took part | Minnesota |
|---|---|---|
| Treasury refusal letters on custody claims, 2004 and 2006 | Connecticut, DC, Illinois, Kentucky, New Hampshire, North Carolina, South Dakota (2004); Florida (2006) | not a recipient |
| Treasurer of New Jersey v. Treasury, 3d Cir. No. 10-1963 (June 27, 2012) | appellants NJ, MT, KY, OK, Missouri AG, PA | not a party |
| State title-escheat statutes, 2000 to 2016 | KS (2000); IA, KY, LA, MS, MO, NC, SD (2014); AR, FL, GA, IN, ME, NH, OH, SC (2015); PA (2016) | none |
| Joint state comments on Treasury's 2015 rule | KS, LA, SD, PA, MS, KY, ND, IA, SC, ME | not a commenter |
| Estes v. Treasury, D.D.C. No. 1:16-cv-00450 (November 28, 2016) | plaintiffs KS, KY, MS, LA, SD | not a party |
| LaTurner v. United States (Fed. Cir. August 13, 2019), state amici | FL, MS, GA, IN, IA, KY, LA, PA, OH, SC, RI, SD | not an amicus |
| 10 Court of Federal Claims suits, dismissed with prejudice November 30, 2020 | SD, LA, MS, SC, IN, OH, FL, IA, KY, PA | not a plaintiff |
| 31 CFR 323.11(b) information-sharing agreement | none publicly known | none publicly known |
Minnesota's role in every federal savings bond dispute in our sources, as of November 11, 2026. "Not a party" means Minnesota is absent from the published lists, not that it took a position.
Minnesota Savings Bonds After the Owner Dies: Federal Rules Decide Who Owns Them
Federal savings bond rules, not Minnesota law, decide who owns a bond after the owner dies: a surviving co-owner or POD beneficiary becomes the sole owner, and the bond is not part of the estate (31 CFR 353.70(b)(1), (c)(1)).
A will or court order cannot defeat that result (31 CFR 353.20(a); Free v. Bland, 369 U.S. 663 (1962)). These are the savings bond co-owner rules.
Heirs search the deceased owner's name at unclaimedproperty.mn.gov and use FS Form 1048 for the rest. A court must administer the estate if the decedent's savings bonds total more than $100,000 in redemption value at the date of death (31 CFR 353.71).
FS Form 5336 (Rev. April 2026) serves estates that are not administered. FS Form 5394 (Rev. May 2026) serves closed estates and state small-estate procedures. We state no Minnesota small-estate rule, so ask the estate's attorney.
Paid Helpers and Third Parties in Minnesota Claims
Treasury pays a savings bond only to its registered owner or another person entitled (31 CFR 353.39(b)), so a paid helper in a Minnesota claim never receives the bond money itself.
Bonds cannot be transferred or pledged (31 CFR 353.15, 353.16). Treasury has no fee rule and we state no Minnesota finder rule; see savings bond recovery services.
Neighboring States and Related Savings Bond Rules
5 sibling pages cover Minnesota's neighbors and states with related savings bond rules.
- Iowa unclaimed savings bonds (neighbor; 556.9B, 2014; No. 19-678C)
- South Dakota unclaimed savings bonds (neighbor; box bonds listed by owner, SDCL 43-41B-17; No. 15-1364C)
- Nebraska unclaimed savings bonds (neighbor; State Treasurer program)
- New York unclaimed savings bonds (general law, no bond named)
- Missouri unclaimed savings bonds (only state bond search)
More Guides for Minnesota Bond Owners and Heirs
6 related guides cover situations a Minnesota search does not.
- Savings bond lookup
- Found old savings bonds
- POD savings bonds
- Savings bonds in probate
- What banks cash savings bonds
- Help after a state contacts you about savings bonds
Minnesota Unclaimed Savings Bonds FAQ
How do I look up unclaimed savings bonds in Minnesota?
Search unclaimedproperty.mn.gov for paper bonds Minnesota holds, and file FS Form 1048 with Treasury for every other lost bond; both are free. No national name search exists, as our guide to unclaimed savings bonds explains.
How can I find unclaimed money in Minnesota that is a savings bond?
Minnesota's search covers all unclaimed property the state holds, but a savings bond appears there only if Commerce received the paper bond.
Can I claim my deceased father's unclaimed savings bonds in Minnesota?
Yes: an heir can claim a deceased parent's savings bond from Minnesota if Commerce holds the paper bond, and from Treasury if it does not, but the registration on the bond, not the will, decides who owns it. See savings bonds of a deceased parent or relative.
Can Minnesota get savings bond records from Treasury?
No state, Minnesota included, is publicly known to have signed the information-sharing agreement that 31 CFR 323.11(b) requires before Treasury shares owner names and addresses (as of November 11, 2026). A state may use them only to locate owners (89 FR 102735, December 18, 2024), with no Social Security numbers or serial numbers. See what states can receive from Treasury.
Do savings bonds expire while Minnesota holds them?
No: savings bonds never expire and no deadline applies to cashing them (Executive Order 13968, 85 FR 83745); they stop earning interest at final maturity. See when savings bonds mature for each series.
Does Minnesota tax savings bond interest?
No: savings bond interest is exempt from Minnesota income tax, as from every state and local income tax, under 31 U.S.C. 3124(a), though it is federally taxable. State estate and inheritance taxes are separate, so ask a tax professional about federal tax on savings bond interest.
Compiled from named primary sources; how we check every statute and docket.