Replacing or Reissuing a Paper EE Bond
On this page:
Replacing: If your paper bond is lost, stolen, destroyed, mutilated, or you never received it, you can request a substitute electronic savings bond.
Reissuing: If you want to change who is named on the bond , or if there is a major error in the names, see: Reissuing Paper EE Bonds.
Note: Bonds that we replace or reissue will no longer be issued in paper form but, instead, will be issued as electronic bonds in TreasuryDirect. Instead of replacing the bond electronically, you can ask for your bond to be cashed.
We need the following information before searching for the record of your bond:
- Bond serial number -- If you don’t have the bond serial number, provide all of the following:
- Specific month and year of purchase
- Social Security Number
- Names, including middle names or initials
- Mailing address
To request a substitute electronic bond in a TreasuryDirect account:
- Fill out and sign form FS Form 1048 (download or order)
- Take the filled-out form to your financial institution to sign and have your signature certified according to the instructions on the form.
- Mail the completed form to:
Treasury Retail Securities Site
PO Box 214
Minneapolis, MN 55480-0214
Note: Once you receive your bonds in a TreasuryDirect account or payment for lost bonds, the original paper bonds are no longer yours. They belong to the U.S. government. If you later find the original bonds, please return them to the Treasury Retail Securities Site at the address above.
- What changes do NOT require reissuing the bond?
- What form do I use?
- Who must approve a change?
- Must I pay federal income taxes when Treasury reissues abond?
Reissue will not be made if the request for reissue is received less than one full calendar month before the final maturity date of a bond. An EE bond's final maturity date is 30 years after the issue date. In addition, reissue will not be made unless the new registration(s) requested is authorized by the governing regulations (31 CFR part 363).
We do not reissue bonds for these changes:
|Situation||What to do|
|Name change because you got married||No reissue needed. When you cash in the bond, sign both your name
that is on the bond and your married name.
|Minor typo in your name||No reissue needed. When you cash in the bond, sign your correct name.|
|Address change||No reissue needed.|
|Wrong Social Security Number||No reissue needed, See: Correcting a Social Security Number on a Bond|
Note: If you are thinking about changing who owns the bond and want to find out what changes are permitted and how those changes can be accomplished, call 844-284-2676 (toll free) or write to Treasury Retail Securities Site, PO Box 214, Minneapolis, MN 55480-0214.
The following sections tell you what to do for each situation that requires reissuing a bond.
Instructions are on the forms. The appropriate address for mailing is on each form.
|To correct a major error|
|For a major error, such as
|For a court appointment|
|A court has appointed a guardian, conservator, or similar representative for the estate of a living owner. This may happen for
|When you change who owns the bond|
|The owner has died (or both persons named on a bond have died)|
|You want the new owner to be a personal trust estate|
|You want to, for example,
|When you change the beneficiary|
|You want to, for example,
|Who must approve a change?|
|Situation||Who must sign|
|Two living people are named on the bond and both of them want to request a change that is permitted. (If you are not sure if the change you want is permitted, check the instructions on FS Form 4000, call 844-284-2676 (toll free), or write to Treasury Retail Securities Site, PO Box 214, Minneapolis, MN 55480-0214.||Both must sign the form|
|Two people are named on the bond, but only one needs to make a change such as changing his or her own name||Only the owner making the change about himself or herself must sign the form|
|The owner wants to change the beneficiary||The owner may make this change. The beneficiary does not have to agree to the change.|
Consider this situation: You were the owner on the old bond. You are not named on the reissued bond. In that case, you are responsible for reporting on your federal income tax return interest earned during the time you were named on the bond.
We provide an IRS Form 1099-INT.
|Electronic bonds||Log in to TreasuryDirect and go to ManageDirect. From the Manage Direct page, select the year under “Manage My Taxes” and then select 1099.|
|Paper bonds||Form 1099-INT is mailed to you after the end of the calendar year in which the bond was reissued.|