TreasuryDirect allows individuals and various types of entities including trusts, estates, corporations, partnerships, etc.to purchase, manage, hold and redeem their Treasury securities through an online account with the U.S. Department of Treasury. See Learn More about Entity Accounts for full information on the new registration types.
The entire line of Treasury consumer securities is available in TreasuryDirect, including Bills, Notes, Treasury Inflation-Protected Securities (TIPS), Bonds and savings bonds.
When account holders purchase securities through TreasuryDirect, they do not receive paper securities. Instead, an electronic security is listed in their on-line account where the owner can view it, track its value, transfer it, sell it, or redeem it anytime after the minimum holding period, depending upon the type of security.
Benefits of Using TreasuryDirect
TreasuryDirect simplifies the lives of Americans who now use the Internet at work and
at home. Individuals can purchase Treasury securities 24 hours a day, 7 days a week by
accessing their account from any place with a secure Internet connection. The convenience
of TreasuryDirect makes it possible for individuals to purchase and manage their Treasury
securities - all in a single account with the click of a mouse.
Making all Treasury securities available to the public electronically through the TreasuryDirect website results in cost savings over time.
TreasuryDirect enables a direct relationship between customers - individuals and financial professionals alike - and the U.S. Treasury. The TreasuryDirect.gov site provides complete information for people who want to buy securities directly from the Treasury - in a way that's easy for everyone to understand.
Opening an Account
TreasuryDirect account is easy to do and available to anyone age 18 or older with
Internet access. Completing the online application form takes 10 minutes or less.
Applicants will need the following information: their e-mail address; Social Security
Number (tax identification number); driver's license or state identification number,
and expiration date; and bank routing transit number and savings or checking account
number. The bank account information is needed for electronic transfer of funds for
security purchases, redemptions, and maturity/interest payments. Applicants choose a
password, a password reminder, and security questions to ensure confidential account
access. Within a few minutes of completing the process, applicants receive an e-mail with
their TreasuryDirect account number. To find out more, take a Guided Tour.
Automatic payroll deductions can be made toward the purchase of Treasury securities via TreasuryDirect. With this flexible feature, if an employer's payroll system has a direct deposit deduction available, employees can opt to have a portion of their pay transferred to their TreasuryDirect accounts for the purchase of electronic securities.
Security and Privacy
For the first time in a federal government e-business application, new customers can identify themselves in an all-electronic transaction and be authenticated by the Treasury's Pay.gov system. This authentication system matches key information customers enter when completing the online application form with that in trusted Government and commercial databases.
All private information exchanged during transactions is protected by 128-bit Secure Sockets Layer (SSL) encryption.
TreasuryDirect includes an "Investor Inbox" where customers receive important messages in a secure electronic environment as opposed to paper or insecure e-mail. The "Investor Inbox" contains messages sent to you if we have difficulty verifying the accuracy of your bank information, delivering a payment, or debiting your checking or savings account. We may also send you informational messages helpful to your account management.
Because I bonds and EE bonds are in electronic form in TreasuryDirect, individuals can purchase them in penny increments, from $25 up to $10,000 each year. (In paper form, these bonds were only available in specific denominations.)
Bills, Notes, Bonds, and TIPS are available in $100 increments, with a minimum purchase of $100.
Individuals can also monitor their accounts 24 hours a day, seven days a week from any secure Web portal.
Savings Bonds as a Gift
A "Gift Box" function allows customers to buy savings bonds for someone else and keep the bonds in their own account until they are ready to give them to the recipient. To purchase an electronic savings bond as a gift, the account holder needs to know the recipient's full name and Social Security Number and/or taxpayer ID number. The gift bond is placed in the "Gift Box" until the account holder obtains the TreasuryDirect account number of the recipient and is ready to transfer the bond into the recipient's account. The gift recipient will then receive an e-mail announcing the transfer of the bond. Anyone 18 years of age or older can be a TreasuryDirect account holder.
Treasury Bills, Notes, Bonds, and TIPS
Customers may purchase, hold, transfer, and sell Bills, Notes, Bonds, and TIPS in TreasuryDirect. Bidding noncompetitively couldn't be easier. The bid submission process is completely online. Login to your account and from the "My Accounts" page, click on the BuyDirect® tab, click on the security you wish to purchase, the security term, the amount of your purchase, and whether you wish to reinvest this security.
Within TreasuryDirect, you can set up reinvestments into securities of the same type and term. For instance, you can use the proceeds from a maturing 5-year note to buy another 5-year note.
NOTE: The current auction schedule doesn't allow for the reinvestment of TIPS.
For Holders of Paper Savings Bonds
Savings Bond Wizard: Maintain an inventory of your paper savings bonds and determine the current redemption value, earned interest and other information with this downloadable Windows® program.
Savings Bond Calculator: This calculator lets you find out what your paper savings bonds are worth today right from your Web browser. It also allows you to create and save an inventory of your bonds.
Information about the Bureau of the Public Debt
TreasuryDirect.gov serves as the retail site for all Treasury securities. Please visit
organizational information about the Treasury's Bureau of the Public Debt.
All press kit materials can be found in this Newsroom.
For more information about TreasuryDirect, send us an e-mail.