Savings Bonds are a very good and preferred option for long-term investment. Meanwhile, one problem that people often have to face is that when a girl is unmarried and savings bonds are taken in her name, and when she gets married, her name changes. In such a condition, How to cash in savings bonds in maiden name?

This question has been asked many times in our comment box. Today in this article, we will tell you how you can cash savings bonds in your maiden name. So friends, let’s start the article. Before starting the article, we have covered all the questions related to savings bonds which often come to the mind of the people of the USA in this article.

How to cash in savings bonds in maiden name?

In the previous article of our blog Kabbage Loan Guide, we told you How many bills can you deposit in an atm of Bank of America? Similarly, in this article, we will tell you how to cash in savings bonds in maiden name. And with this, we will answer some other questions related to it. Some of which we have given below.

Covered Topics.

• What are Savings Bonds?
• Can I cash in savings bonds using my maiden name instead of my married name?
• How to cash in savings bonds in maiden name?
• What steps do I need to take to cash in savings bonds in my maiden name?
• How do I prove my identity when cashing in savings bonds with my maiden name?
• What documents do I need to cash in savings bonds in my maiden name?
• How to cash in savings bonds of deceased parent?
• How to cash in savings bonds after death?
• How to cash in savings bonds for college tuition?
• How to cash savings bonds for minors?
• How to cash in savings bonds that have matured?
• How to cash in lost savings bonds?
• How long does it take to cash in savings bonds?
• How to cash in savings bonds in your child’s name?
• How to cash in savings bonds with power of attorney?

What are Savings Bonds?

Savings bonds are a type of investment that is issued by the U.S. Treasury Department. These are given by the government and that is why it is considered the most reliable investment. If someone buys savings bonds, then he gets these bonds for a specific time, and in return for the amount he invests, he gets additional interest and some extra benefits.

That’s why there are so many ways to invest in the United States of America. Of all those methods, Savings Bonds are the safest and easiest way.

Can I cash in savings bonds using my maiden name instead of my married name?

Yes, you can cash in savings bonds using your maiden name. This is especially true if the bonds were issued in your maiden name. When you apply for the savings bonds cash, then you will have to put the existing identity proofs there. Along with this, you will have to apply both the old name and the new name in the application. Along with this, the region of the name change will also have to be specified there.

This process is approved by the US Treasury. Because in this condition it has happened in many cases that when savings bonds are bought in the name of a girl, then her name is her maiden name. But after her marriage, the surname is added after her name.

Therefore, in this condition, on the official website of the US Treasury, Treasurydirect.gov, special separate information has been given about it. It is written in it that you have to show both the names there and also clear the name change region there. Even if you are married and even if you are a divorcee.

How to cash in savings bonds in maiden name?

To cash in savings bonds in your maiden name, you will need to follow a few steps:

1. Provide identification: You will need to provide identification that shows your maiden name, such as your birth certificate or your driver’s license.
2. Complete the redemption form: You will need to complete the redemption form that is provided by the Treasury Department. This form will ask for your name, address, social security number, and other identifying information.
3. Sign the form: You will need to sign the redemption form in the presence of a certified bank officer.
4. Mail the form: Once you have completed the form and signed it, you will need to mail it to the Treasury Department along with the savings bonds that you want to cash in.

What steps do I need to take to cash in savings bonds in my maiden name?

To cash in savings bonds in your maiden name, you will need to take the following steps:

1. Determine the value of your savings bonds: You can do this by using the Treasury Department’s online calculator.
2. Complete the redemption form: Fill out the redemption form provided by the Treasury Department. Be sure to use your maiden name on the form.
3. Sign the form: Sign the redemption form in the presence of a certified bank officer.
4. Provide identification: Provide identification that shows your maiden name, such as your birth certificate or your driver’s license.
5. Mail the form: Mail the completed form and the savings bonds to the Treasury Department.

How do I prove my identity when cashing in savings bonds with my maiden name?

You can prove your identity when cashing in savings bonds with your maiden name by providing identification that show your maiden name, such as your birth certificate or your Marksheet with a photo.

There are many other documents that can prove your maiden name. You can put any of those IDs. But along with this, you will also have to attach your married documents which prove that your name has changed.

What documents do I need to cash in savings bonds in my maiden name?

When cashing in savings bonds in your maiden name, you will need to provide certain documents to validate the discrepancy between your maiden name and your married name. In July 2023, the following documents are required:

1. Check the eligibility of your bond for payment by verifying the issue date. Bonds issued before February 2003 require a minimum holding period of six months, while those issued after February 2003 require a holding period of 12 months.
2. Take your Series E, EE, or I bond to your own bank if possible. This can make the identification process easier since you already have an account there. If you don’t have an account at that bank, you’ll need suitable identification documents such as a passport, driver’s license, Social Security card, or state identification card. Additionally, bring your birth certificate (showing your maiden name) and marriage certificate to validate the name change.
3. Sign the bond with your legal married name in the presence of a bank representative. It is acceptable if your signature does not include your maiden name and does not match the maiden name on the bond. The important factor is that your signature matches your identification, not the bond itself.
4. Explain the name discrepancy to the bank representative and provide them with the necessary documentation that proves your name change from your maiden name to your married name. The bank representative will review the documents and make a note near your signature to validate it.

How to cash in savings bonds of deceased parent?

To cash in the savings bonds of a deceased parent, you will need to provide the Treasury Department with a copy of the death certificate and proof of your savings bonds to show that you are the rightful owner of these savings bonds.

How to cash in savings bonds after death?

To cash in savings bonds after death, you will need to provide the Treasury Department with a copy of the death certificate and proof that you are the executor or administrator of the estate. Apart from this, it is also necessary to have identity proof of the person who has died, you can put his PAN card, birth certificate, or any other document in his proof.

You will give all these documents to the US Treasury Department, then the process of cashing your savings bonds will begin.

How to cash in savings bonds for college tuition?

You can cash in savings bonds for college tuition by using the Education Savings Bond Program. To be eligible for this program, you must meet certain income and the bonds must be on your name. You will need to provide proof of enrollment in a qualified educational institution.

How to cash savings bonds for minors?

To cash savings bonds for minors, you will need to provide proof of your identity as well as the identity of the minor. If the bonds are in the name of the minor, you will need to provide proof of your relationship to the minor, such as a birth certificate or adoption papers.

Which proves that you are the rightful guardian of the child who is a minor. Because if there are savings bonds in the name of a minor, then he himself cannot cash them. Only his parents make him cash.

How to cash in savings bonds that have matured?

To cash in savings bonds that have matured, A very simple process has been kept for this. If your savings bonds are electronic, you can get them within two to three days by applying by visiting the TreasuryDirect website. But if your savings bonds are paper savings bonds, then you will have to contact the Treasury Department.

You will have to apply offline by taking all the documents which we have mentioned in the above paragraph. After applying offline there is a verification and after verification, your savings bonds get cashed.

There is no additional documentation required for encashing matured savings bonds. Because when they mature, the owner of these savings bonds has to attach his identity proof along with documents related to the bonds and very easily your savings will be matured cash.

How to cash in lost savings bonds?

If your savings bonds are lost, you will need to contact the US Treasury Department to get them reissued. There you will have to find your details again. After getting the details, you get the proof of savings bonds.

If you want to cash it, then the whole process is the same which we have mentioned in the above paragraph.

How long does it take to cash in savings bonds?

We have already told you that there are two types of savings bonds in the United States of America.

How to cash in savings bonds in your child’s name?

To cash in savings bonds in your child’s name, you will need to provide proof of your identity as well as the identity of the child. If the bonds are in the name of the child, you will need to provide proof of your relationship to the child, such as a birth certificate or adoption papers.

How to cash in savings bonds with power of attorney?

If you are cashing in savings bonds with power of attorney, you will need to provide a copy of the power of attorney document as well as proof of your identity and the identity of the person for whom you are acting as power of attorney.

Conclusion.

Cashing in savings bonds in your maiden name is a straightforward process that involves providing identification and completing the redemption form provided by the Treasury Department. By following the steps outlined in this article.

You can cash in your savings bonds and receive their full value. If you have any questions or concerns, you can contact the Treasury Department for assistance.