Learn More About Linked Accounts

TreasuryDirect linked accounts allow individual account owners, and Account Managers on behalf of entity accounts, the flexibility of managing a securities portfolio customized to your needs in an account that is "linked" to your TreasuryDirect account. Open a Minor account (individuals only) or Custom account, or use the Conversion account to convert your paper securities into electronic form. TreasuryDirect linked accounts make it easy to keep track of all your savings securities in a single account. Linked accounts may only be accessed through your Primary TreasuryDirect account. For your added convenience, holdings for each Linked account are kept separately from your Primary TreasuryDirect account.

Minor Account: This is a custodial account that a parent, natural guardian, or person providing chief support establishes for a child under the age of 18. The Minor account is linked to your primary TreasuryDirect account and only you, as the custodian, can access the account. You may purchase, redeem, receive gift deliveries, and perform other transactions within the account on behalf of the minor. When your child reaches age 18 and establishes his/her own TreasuryDirect account, you may de-link the securities into their new account. De-linking refers to moving the Linked account's securities to a Primary TreasuryDirect account. Instructions for De-linking can be found on the How Do I...? link within the account. Once the minor account is de-linked it is deactivated and all new transactions within the minor account are prevented.

If you choose to maintain the Minor account once the minor reaches age 18, you are restricted from performing nearly all transactions, however, you can still purchase securities on the child's behalf. Minor linked accounts are not available in entity accounts.

After establishing a minor account, if you wish to add any of the bank accounts listed in your Primary account, click the "Contact Us" link and provide the information or call us at (844) 284-2676. If you wish to add a new bank account, go to ManageDirect and click the "Update my Bank Information" link for further information.

Custom Account: This is a flexible account you can establish to meet specific financial goals. You can even create a customized name, such as "Vacation Fund," for the account. We offer the same convenient capabilities as in your Primary TreasuryDirect account.

After establishing a custom account, if you wish to add any of the bank accounts listed in your Primary account, click the "Contact Us" link and provide the information or call us at (844) 284-2676. If you wish to add a new bank account, go to ManageDirect and click the "Update my Bank Information" link for further information.

Conversion Account: This is an account you can create to convert your paper Series EE or I Savings Bonds into electronic securities in your TreasuryDirect account. When a bond that has reached final maturity is converted, TreasuryDirect will automatically redeem it and purchase a Zero-Percent Certificate of Indebtedness (C of I) in the primary account.

Note: An online IRS Form 1099-Substitute is available for your Primary account and each Linked account.

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