Top 10 Questions and Answers about TreasuryDirect

1. How do I login to TreasuryDirect?

Visit our website and enter your TreasuryDirect account number and password. For added security, we use industry standard machine-to-machine authentication to verify that you're authorized to access the account. While logging in, you can choose to register your computer so TreasuryDirect recognizes it. If you do not register your computer, in addition to your account number and password, you'll also need a one-time passcode (OTP) every time you login. The OTP will be sent to the e-mail address listed in your TreasuryDirect account. You can watch a TreasuryDirect demo on how to login using a registered or unregistered computer.

2. How do I get my computer ready to use TreasuryDirect?

First, ensure that you're using an up-to-date web browser such as: Windows Internet Explorer 7 or later, Firefox 2 or later or Google Chrome. Then register your computer through TreasuryDirect in order to save time when you log-in.

3. Can I get a paper savings bond in TreasuryDirect?

No. You can buy digital savings bonds and other Treasury securities through TreasuryDirect.

4. Why is the Treasury no longer issuing paper savings bonds?

By ending the sale of paper savings bonds, taxpayers will save $120 million over the next five years. Digital savings bonds are easier to manage and can't be misplaced. With a secure TreasuryDirect account, you can manage your savings online, anytime.

5. Can I redeem a paper savings bond in TreasuryDirect?

No. You can redeem paper bonds at most local financial institutions.

6. How do I convert my paper savings bonds to TreasuryDirect?

 You can convert your paper savings bonds using TreasuryDirect’s SmartExchange program. SmartExchange allows TreasuryDirect account owners to convert their Series EE and I Bonds to digital savings bonds. With a TreasuryDirect account, you enjoy all the benefits of having online 24-hour access to manage your holdings, without having to keep track of paper securities. TreasuryDirect offers a tip sheet on converting your paper savings bonds to digital bonds in SmartExchange.

7. Can I buy digital savings bonds through a Payroll Savings Plan?

Yes. Simply set up your TreasuryDirect Payroll Savings Plan then schedule a regular payroll allotment for your employer to send a direct deposit to your TreasuryDirect account every payday.

8. How do I buy a savings bond as a gift?

From your TreasuryDirect account you may buy digital savings bonds as gifts for others. A gift recipient must also have a TreasuryDirect account.  If the gift recipient is under age 18, learn about setting up a minor account. Check the detailed tip sheet for more information on how to buy savings bonds as a gift.

9. How do I set up an account for my child in TreasuryDirect? 

As parent or guardian, you can set up a custodial account for your minor child within your own TreasuryDirect account. To establish the minor account, you will supply the child’s Social Security number. When the child reaches age 18 and establishes his or her own TreasuryDirect account, you may move their securities into the new account.

10. I have other questions – where can I learn more?

For more information about affordable, safe and convenient Treasury savings options, visit the Treasury Department’s Ready.Save.Grow. website,, and follow us on Twitter @ReadySaveGrow. For questions about TreasuryDirect, go to