A Guide for Savings Bond Owners: Non-Administered Estates

When someone dies, that person's estate (what the person owns) must be "settled" – distributed according to the person's will or the law. If settling the estate does not involve supervision by a court of law and there is no court-appointed legal representative to administer the estate, that is a non-administered estate.

Use the appropriate link below for a list of what you need to submit to conduct your transaction involving bonds in a non-administered estate.

Before sending forms and documents, be sure they are completed, signed, and certified according to instructions. Incomplete or inaccurate submissions delay processing. Note: We don't return legal evidence.


Cash (Redeem) Bonds

Cash a bond with payment made to a voluntary legal representative

To cash a bond in this case, follow the instructions below.
Send us:

  • FS Form 5336 for the last deceased as determined by the date of death OR Small Estate Affidavit (with FS Form 5394) OR Summary Administration (with FS Form 5394)
  • Certified copy of the death certificate for anyone named on the bond
  • The unsigned bond you wish to cash

Distribute Bonds

In settling an estate, you may ask us to distribute bonds to entitled persons.  To do this, follow the instructions below.

Distribute EE or I bonds to entitled persons

Send us the following items.  Note:  The recipient must have a TreasuryDirect account.

  • FS Form 5336 for the last deceased as determined by the date of death OR Small Estate Affidavit (with FS Form 5394) OR Summary Administration (with FS Form 5394)
  • FS Form 4000 OR FS Form 1522; (for each person entitled)
  • Certified copy of the death certificate for anyone named on any of the bonds
  • The unsigned bonds you wish to distribute

Distribute HH bonds to entitled persons

Send us:


File a Claim for Lost, Stolen, or Destroyed Bonds

If your bonds are lost, stolen, or destroyed, you have these options:

  • For EE and I bonds
    • cash them
    • replace them with a bond in electronic form
  • For HH bonds
    • cash them
    • replace them with paper bonds

For any of those transactions, send us:

  • FS Form 1048 – Make sure you provide all bond serial numbers.  If a bond serial number is unavailable, you must provide the following information on the form, regardless of the type of ownership for the bond:
    • The specific month and year of purchase
    • The first and last name (plus middle name or initial, if it was on the original bond)
    • Street address, city, and state
    • Taxpayer Identification Number (Social Security Number) that appeared on the bond
    • Certified copy of the death certificate for anyone named on the bond

You can get the forms described in each section above by downloading or ordering them. To download, click on the underlined form number. To have a form mailed to you, order it at "Forms: Savings Bonds."