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New ID Required for Bond Redemptions
8 Sep
Summary
- Savings bond owners must create a new online account.
- ID.me is the new mandatory login system for bond redemption.
- The new login requirement begins on October 28, 2026.
Savings bond owners will soon need to adopt a new digital identity to manage their investments. Beginning October 28, 2026, accessing online accounts or redeeming U.S. government savings bonds will necessitate the creation of a new login through ID.me. This private company's platform provides a unified passkey for various federal and state agency accounts, aimed at bolstering security and combating identity theft.
For many bondholders, this change represents a significant update, as some may not have interacted with their online accounts since the TreasuryDirect portal launched in 2002. The mandatory ID.me login will take effect on October 28, 2026. However, individuals can begin linking their ID.me accounts to TreasuryDirect starting September 13, 2026. This proactive step will ensure uninterrupted access to their savings bonds, which are solely managed through the TreasuryDirect website since paper bonds are no longer sold.
