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FAQs - Savings Bond Registration

This is a series of Frequently Asked Questions about registering savings bonds.

    1) GENERAL QUESTIONS

      1.1) What is savings bond registration?
      1.2) Why do savings bonds have to be registered?
      1.3) What does "registration is conclusive of ownership" mean?
      1.4) What information is required to register a savings bond?
      1.5) Why do you need a Social Security Number to register a savings bond?
      1.6) Who can own savings bonds?
      1.7) Can a minor own a savings bond?
      1.8) What are the rules for registering savings bonds in the name of someone who isn't capable of managing his or her own affairs?

    2) FORMS OF REGISTRATION

      2.1) What are the different ways to register savings bonds?
      2.2) Are there different rules for registering I Bonds and Series EE Savings Bonds?
      2.3) Is a co-owner or beneficiary required?
      2.4) I understand that only two names can appear on a savings bond. Why?
      2.5) Can there be both a co-owner and a beneficiary on the same savings bond?
      2.6) What's the difference between registration and delivery information on the savings bond order form?
      2.7) How do I register a savings bond that's to be delivered outside the United States?

    3) SOME PRACTICAL EFFECTS OF THE DIFFERENT FORMS OF REGISTRATION

      3.1) How do the different forms of savings bond registration affect ownership?
      3.2) If I'm the sole owner, what happens to my savings bonds if I die before cashing them? What if there's a co-owner? What if there's a beneficiary?
      3.3) What's the difference between being a co-owner and a beneficiary?

    4) GIFT SAVINGS BONDS

      4.1) How do I register a savings bond that I'm buying as a gift?
      4.2) Can I show on a gift savings bond that it's a gift from me?
      4.3) How can I find out who bought a gift savings bond for my child or me?
      4.4) If a family member or I receive a savings bond as a gift with the giver's Social Security Number on it, what should we do?

    5) THE EDUCATION SAVINGS BOND PROGRAM

      5.1) How do I register savings bonds to take advantage of the Education Savings Bond Program?
      5.2) Is there another way I can register savings bonds to pay for my dependent's education?
      5.3) Where can I get more information on the Education Savings Bond Program?

    6) CHANGING THE REGISTRATION INFORMATION ON SAVINGS BONDS

      6.1) Can I change the registration of savings bonds after I buy them? If so, how?
      6.2) What do I do if the Social Security Number or the spelling of the name is incorrect on a savings bond?
      6.3) What should I do if my name or address changes to something other than what's shown on my savings bonds?
      6.4) Can I change the registration on my savings bonds to leave them to my children or grandchildren? Are there tax consequences?
      6.5) Can I change the registration on my savings bonds to change their denomination?
      6.6) What are the rules for changing the registration of savings bonds to put them in the name of a personal trust?
      6.7) Do I need the approval of the co-owner or beneficiary to change the registration on savings bonds?
      6.8) How can savings bonds registration be changed after a divorce?
      6.9) Can I change the registration of my savings bonds to give them to a religious or charitable organization?
      6.10) How can changing the registration on my savings bonds affect my taxes?

    7) REGISTRATION FOR TRUSTS AND ORGANIZATIONS

      7.1) What is fiduciary savings bond registration and what types are available?
      7.2) How can I include savings bonds in a living trust or an IRA?
      7.3) I want to leave my saving bonds to a religious or charitable organization. How do I register them?
      7.4) Can savings bonds be registered in the name of an executor or administrator?
      7.5) Can savings bonds be registered in the name of an institution, government or other organization?