You can cash in your savings bonds in several ways depending on whether they are electronic or paper bonds: For Electronic Savings Bonds:

• Log into your TreasuryDirect account online.
• Use the "ManageDirect" section and select the option for cashing securities.
• Follow the prompts to redeem your bonds.
• The redeemed amount will be directly deposited into your linked checking or savings account within about two business days

For Paper Savings Bonds:

• Many banks and credit unions can cash paper savings bonds over the counter, but policies vary widely. Some banks only cash bonds for their account holders, may have limits on the amount they will redeem at once, or may require you to have been a customer for a certain period

• It is advisable to call your bank ahead to confirm if they cash savings bonds and what identification or documentation is required. Generally, you need to bring the paper bond and one or two forms of valid ID. Additional documents may be required if the bond owner’s name has changed or if you are a beneficiary

• If your bank does not cash paper bonds, you can mail them to Treasury Retail Securities Services along with FS Form 1522 (signature certification may be required for amounts over $1,000)

Summary:

• Electronic bonds: Redeem online via TreasuryDirect.
• Paper bonds: Redeem at a bank or credit union (if they offer the service) or by mailing to the Treasury with the proper form.
• Always check with your bank first as services and limits vary.

This approach ensures you get the best and most convenient option to cash in your savings bonds