How can I check the value of EE bonds?

If you are a holder of Series EE savings bonds and curious about the current value of your investment, there are a couple of ways to check it. Whether you have a physical bond or the bond is held electronically, here is your step-by-step guide to determining the value of your EE bonds:

1. **Gather your bond information**: To check the value of your EE bonds, you will need to have the bond’s serial number, issue date, and denomination available.

2. **Visit the TreasuryDirect website**: Go to the official website of the U.S. Department of the Treasury, specifically the TreasuryDirect section.

3. **Create or log in to your account**: If you have an existing account, log in. Otherwise, you will need to create an account by providing your personal information and creating a username and password.

4. **Navigate to the “ManageDirect” tab**: Once logged in, select the “ManageDirect” tab from the menu at the top of the page.

5. **Select the “Savings Bonds” option**: Under the “ManageDirect” tab, click on the “Savings Bonds” option.

6. **Access your bond details**: Look for the “Individual” option and click on it to find specific details about each of your savings bonds.

7. **Enter bond details**: Provide the requested information about your EE bond, including the serial number, issue date, and denomination. Click “Submit” to proceed.

8. **Review bond information**: After submitting the details, you will see the bond’s current value and other relevant information.

9. **Consider determining future values**: If you want to know the projected value of your bond at a future date, you can enter a future date on the TreasuryDirect website to obtain an estimate.

10. **Keep track of your bond values**: If you have multiple EE bonds, you can record and track their values using the online tool on the TreasuryDirect website. This will help you stay informed about the overall worth of your investment.

Now that you know how to check the value of your EE bonds, let’s take a look at some commonly asked questions regarding this process:

FAQs:

1. Can I check my EE bond’s value without an online account?

Yes, you can. If you prefer not to create an online account, you can check the value by using the Savings Bond Calculator on the TreasuryDirect website.

2. Are EE bonds the only type that can be checked online?

No, you can also check the value of other savings bonds, such as Series I bonds, on the TreasuryDirect website using the same process.

3. Can I check the value of an EE bond I received as a gift?

Yes, you can check the value of a gift bond as long as you have the necessary information, including the bond’s serial number, issue date, and denomination.

4. What if I can’t find my bond’s serial number?

If you have misplaced the bond’s serial number, you can try contacting the U.S. Department of the Treasury for assistance. They may be able to help you retrieve the necessary information.

5. Can I check the value of EE bonds at a financial institution?

Yes, many financial institutions offer services to check the value of EE bonds. Simply visit your local bank or credit union and inquire about their savings bond services.

6. Can I check the value of EE bonds using a mobile app?

Some financial institutions may offer mobile apps that allow you to check the value of your bonds, but it is advisable to verify this with your specific bank or credit union.

7. Can I check the value of EE bonds issued before 2003?

Yes, the TreasuryDirect website allows you to check the value of EE bonds issued as far back as 1980.

8. What if my EE bonds have reached maturity?

If your EE bonds have reached their maturity, meaning they no longer earn interest, you can still check their final value through the methods mentioned above.

9. Can I check the value of EE bonds for deceased relatives?

If you are the legal representative of the deceased bondholder, you can check the value of their EE bonds using the same process described earlier.

10. Can I cash my EE bonds if I only know the value and not the serial number?

In most cases, you will need the bond’s serial number to cash it. However, you can contact the U.S. Department of the Treasury for further instructions if your circumstances prevent you from obtaining the serial number.

11. Can the value of EE bonds decrease?

No, the value of EE bonds does not decrease. They are guaranteed to reach maturity at full face value, although their interest rate fluctuates over time.

12. How often should I check the value of my EE bonds?

There is no specific frequency that you must adhere to, but it is generally recommended to check the value of your EE bonds periodically, especially if you are planning to redeem or transfer them.

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