Unclaimed savings bonds: how to find and claim them

$35.2 billion in matured savings bonds has never been cashed. Treasury Hunt is gone — here are the claim paths that exist now.

• Treasury holds $35.2 billion in matured, never-cashed savings bonds as of June 30, 2026 (MSPD, Table III) — 102,584,278 individual bonds (Treasury Fiscal Data, June 30, 2026).
• The Treasury Hunt® search tool was retired on September 30, 2025 (TreasuryDirect); there is no longer a public Treasury website that searches bonds by Social Security number.
• Matured bonds never expire — Treasury redeems them at full value with no deadline (TreasuryDirect).
• For a lost, stolen, or destroyed bond, the claim path is FS Form 1048 (TreasuryDirect).

How much is sitting unclaimed

Treasury publishes both the dollar total (monthly, MSPD Table III — see the chart) and a per-series count of matured, never-redeemed bonds:

Source: U.S. Treasury Fiscal Data — Savings Bonds: Issues, Redemptions, and Maturities by Series. Counts are individual bonds ("pieces"), not dollars. Download: savings-bonds-pieces-outstanding.csv

1. You hold the paper bond

Nothing is "unclaimed" — it is money waiting to be cashed. Look up what it pays in the value tables, then see how to cash savings bonds (bank, or FS Form 1522 by mail).

2. The bond is lost, stolen, or destroyed

File FS Form 1048 (Claim for Lost, Stolen, or Destroyed United States Savings Bonds) with as much detail as you have — serial numbers if known, otherwise names, addresses, Social Security number, and approximate purchase dates (TreasuryDirect's forms page). Treasury can replace or redeem bonds it can match.

3. The bonds belonged to someone who died

Ownership passes to a surviving co-owner or beneficiary named on the bond, otherwise to the estate — the paths and forms are on inherited savings bonds.

4. Check state unclaimed-property programs

Under SECURE 2.0 (2022), Congress directed Treasury to share information about matured, unredeemed savings bonds with state unclaimed-property programs so states can help locate owners. With Treasury Hunt retired, the practical search path is your state's official unclaimed-property website — start with the states where the bond's purchaser lived. Every state's official search is linked from unclaimed.org, the National Association of Unclaimed Property Administrators. Some registered bonds also surface in Treasury's records via the FS Form 1048 process even without serial numbers.

To check whether bonds you hold were already cashed, write to Treasury Retail Securities Services, P.O. Box 9150, Minneapolis, MN 55480-9150 with the serial numbers (TreasuryDirect).

Frequently asked questions