How to Withdraw Treasury I Bonds from Your TreasuryDirect Account

Learn how to redeem Treasury I bonds easily via TreasuryDirect and understand key rules about interest forfeiture.

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To withdraw Treasury I bonds, log in to your TreasuryDirect account. Navigate to the 'ManageDirect' tab and select 'Redeem securities.' Choose the I bonds you want to cash in and follow the prompts to complete the transaction. The funds will be deposited into the linked bank account within a few business days. Remember, if the bonds haven't been held for five years, you will forfeit the last three months' interest.

FAQs & Answers

  1. How long do I have to hold Treasury I bonds before redeeming? You must hold Treasury I bonds for at least 12 months before redeeming. However, redeeming before five years results in forfeiting the last three months' interest.
  2. Where do I redeem my Treasury I bonds? You redeem Treasury I bonds by logging into your TreasuryDirect account, navigating to 'ManageDirect,' and selecting 'Redeem securities.'
  3. How long does it take to receive funds after redeeming I bonds? After redeeming your I bonds, the funds are typically deposited into your linked bank account within a few business days.

Watch More

For more insights on managing Treasury securities, check out our guides on buying U.S. savings bonds and understanding bond maturity terms to maximize your investment returns.

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