Unclaimed Assets: Find and Claim Lost or Unredeemed U.S. Savings Bonds

Bureau of Public Debt: Savings Bonds / Postal Savings System / Treasury Bonds, Bills & Notes

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Unclaimed Money Search - US Savings Bonds

In addition to savings bonds, the U.S. Treasury also has billions of dollars in outstanding bearer and registered securities:

► TIPS Treasury Inflation Protected Securities
Treasury Inflation Protected Securities (TIPS) are marketable securities whose principle is adjusted by changes in the Consumer Price Index. TIPS pay inflation-adjusted interest every six months and are issued in $100 increments with maturities of 5, 10, and 30 years. They are sold at face value.  IRS Form 1099-OID reports the amount of original issue discount on TIPS (Treasury Inflation-Protected Securities).

Series I Bonds Series i bonds arn interest based on combining a fixed rate which remains the same throughout the life of the bond, and a variable inflation rate calculated semi-annually, based on changes in the Consumer Price Index. They continue to earn interest for up to 30 years.

You may cash them in any time one year after issue, but if you cash them in before five years you lose the last three months interest. Interest is compounded semi-annually and paid monthly. Redemption can be done online at the TreasuryDirect website. You can redeem paper Series I Bonds at most local financial institutions.

► Treasury Bonds and Treasury Bills Treasury Bills are short-term government securities with maturities ranging from a few days to 52 weeks. They are currently issued electronically and are typically sold at a discount from their face value. Treasury Bonds pay interest every six months and mature in 10-30 years. Treasury Notes have maturities of 2, 3, 5, 7, and 10 years, and pay interest every six months.

For Treasury Bonds and Treasury Notes, letters are sent to owners two months prior to maturity, and IRS Earnings Statements (1099-INT) are sent following the end of the calendar year when an interest check is issued.

IRS Form 1099-B, Proceeds from Broker and Barter Exchange, is sent to registered owners of matured Treasury Bonds and Treasury As noted above, IRS Form 1099-OID reports the amount of original issue discount on TIPS (Treasury Inflation-Protected Securities).

If any of these documents are included among the papers of a deceased family member, it's worth checking to ensure full payment has been received. For additional information and assistance contact:  

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► Uncashed Government Checks 

For most checks , state unclaimed property statutes consider the underlying funds to still be owed the payor, even if the instrument is not deposited or cashed. If a lost or destroyed check is not reissued by the payee, the face amount of the check must be reported as unclaimed property after expiry of the dormancy period, usually 1-2 years. This is true even if a check has a 'void after' date stamped on it.  

Checks issued by federal agencies, however  - including the IRS, Social Security Administration and the Bureau of Public Debt - do not come under the purview of state statutes. Checks drawn on the U.S. treasury are void after one year, after which time they must be reissued.