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Changing information about EE or I savings bonds (reissuing)

Note: For these special situations, you want a different page.

Death of a savings bond owner

Living estates (where a court has appointed a legal guardian for someone who owns bonds)

Trusts (where a trustee wants to cash savings bonds)

Some changes in information result in our reissuing the savings bond. Some do not.

This page tells you whether we need to know about a change and, if we do, how to tell us.

Note: If your savings bond will mature (stop earning interest) in the next month, we will not reissue it. Series EE and I bonds mature 30 years from their issue date.

We also do not reissue old bonds that have stopped earning interest. You should cash them. See Cashing EE and I savings bonds

What changes do NOT require reissuing EE or I bonds?

We do not reissue bonds in these situations. This table tells what to do instead.

The situation What you should do
You got married or divorced and changed your name When you cash in a paper EE or I bond, sign both your name that is on the bond and your current name with the reason for the name change.

Examples:

Mary Smith, Mary Jones (name changed due to marriage)

Mary Jones, Mary Smith (name changed due to divorce)

Your name has a minor typo When you cash in a paper EE or I bond, sign your correct name.
You moved and have a new address You do not need to do anything. The address on your paper EE or I bond was just to mail it to you. The address does not affect ownership of the bond.
The bond has the wrong Social Security Number (SSN) If the SSN on the bond shows as ***** and then the last 4 numbers, that is NOT a problem. We do that to protect your privacy.

If the SSN is really wrong –

We don't reissue the bond to correct an SSN. However, please let us know. If we ever need to search our database for your bond, we search by SSN. So it's good to have the bond listed in our database with the correct SSN.

To correct the SSN on a paper savings bond, do not send the bonds. Send only this information.

  1. Write a letter to us with this information:
    1. The incorrect SSN
    2. The correct SSN
    3. For each bond that has the wrong SSN:
      1. Serial number of the bond
      2. Issue date
      3. Denomination (Is it a $50 bond, a $100 bond, or a different dollar amount?)
      4. Registration (Who owns the bond: owner, co-owner [if there is one], and beneficiary [if there is one])
  2. For an EE or I paper bond, send the letter to

    Treasury Retail Securities Services
    P.O. Box 9150
    Minneapolis, MN 55480-9150

When must we reissue EE or I bonds?

We must reissue Series EE and I bonds in these situations:

  • Correct a major error
  • Comply with a court-ordered change of a living owner
  • Change the owner, co-owner, or beneficiary, as regulations allow

Notes:

  • We reissue EE and I savings bonds in electronic form only. The owner of the reissued EE or I bond must have an account in our online program, TreasuryDirect.
  • We reissue EE and I savings bonds only in the name of the owner. Later, the owner may add a secondary owner or beneficiary.
  • Reissuing a bond doesn’t change the issue date of the bond.
  • When using FS Form 4000, be sure to look through the table on the first page to see who must sign the form for the change you are requesting.
Correct a major error

For a major error, such as

  • the first or last name of an owner, co-owner, or beneficiary is not on the bond
  • a name is misspelled and it's not a minor typo

Fill out and send us FS Form 4000 and the bonds.

A court-ordered change of a living owner

A court has appointed a guardian, conservator, or similar representative for the estate of a living owner. This may happen for

  • a minor (child)
  • a person who cannot handle his or her own finances due to age or illness
  • an absentee

Fill out and send us

  • FS Form 4000
  • the bonds
  • either a court order or letters of appointment
Change the owner, co-owner, or beneficiary

If you want to do any of the following:

  • add another person as secondary owner
  • add or remove a beneficiary
  • name a new owner instead of a current living owner
  • change the name of an owner, co-owner, or beneficiary because of marriage, annulment, divorce, or court order. (Note: This change is allowed but not required.)

Convert your paper bond EE or I bond to an electronic bond.

Then you can make your change online in your TreasuryDirect account.

Notes about who can make these changes:

  • A bond owner may change the beneficiary. The beneficiary does not have to agree to the change.
  • A co-owner whose name has changed may make that change. The other co-owner does not need to sign the form to change a name.
  • However, if 2 living people co-own a bond and want to make another permitted change, both must agree and sign the appropriate form:
    • If the bond already is converted to electronic, FS Form 5446
    • If the bond hasn’t been converted to electronic, FS Form 4000

Will I have to pay taxes when you reissue the bond?

You are the original owner. We reissued it to someone else. You no longer own it. If you have not been paying tax on the bond's interest every year, you now owe tax on all the interest the bond earned while you owned it. You will not owe tax on interest the bond earns for the new owner.

You are the new owner. You will in the future owe tax on interest the bond earns from the time you became the owner. You do not owe tax on interest the bond earned before you owned it.

See Tax information for EE and I savings bonds

Getting the IRS form about the interest your bonds earned

Each year, we tell you and the IRS about the interest you must report on your federal tax return. (IRS Form 1099-INT)

Electronic bonds

Early in the year, you can get your IRS Form 1099-INT in your TreasuryDirect account.

  1. Go to your TreasuryDirect account.
  2. Select ManageDirect, Manage My Taxes, the year, 1099.

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