Processing Times

Currently, we are experiencing a high volume of requests, which is causing delays in our response times for requests submitted by mail.

If you have a TreasuryDirect account in your name, the processing times for specific transactions are as follows:

• Unlocking Your Account or Updating Banking Information: Requests to unlock your TreasuryDirect account or update your banking details may take two weeks or longer to complete.
• Converting Paper Savings Bonds to Electronic Format: It may take nine months or longer to process requests to convert paper savings bonds into electronic bonds.

Searching for Lost, Stolen, or Missing Savings Bonds: Requests to locate lost, stolen, or missing savings bonds require eleven months or longer for processing.

Cashing Paper Savings Bonds: If you are named on the bonds and send them in with your request, processing may take three months or longer.

Other Paper Savings Bond Transactions (Not in Your Name): Transactions you are authorized to complete, but that are not in your name, require five months or longer to process.

Other TreasuryDirect Requests (Including Trusts): Requests related to trusts and other TreasuryDirect matters may take ten months or longer to process.

Special Announcements for TreasuryDirect account holders:

Beginning October 29, 2026, ID.me will be required for logging into TreasuryDirect! ID.me is a trusted, government-verified identity provider that helps protect your sensitive information from identity theft and unauthorized access, while providing a single access point to TreasuryDirect and other government services. More information is available on our FAQ page.

Reminder: ID.me will not charge you or ask for a credit card to help with setting up or linking your ID.me account. If you are unsure whether you are connected to ID.me, please refer to: Identifying communications from ID.me – ID.me Help Center.

Check out our new savings bond explainer page