Learn More About Security Features and Protecting Your Account
One Time Passcode (OTP): You'll need a One Time Passcode (OTP) to log into your TreasuryDirect account if your computer is not registered. (See Registering a Computer below.) The OTP will be e-mailed to you after you enter your account number and click "Submit". On the OTP page, enter the OTP into the space provided, and click "Submit" to go to the password page. The OTP is case sensitive and may be copied and pasted from the e-mail message.
(Note: A One Time Passcode is valid for 24 hours or until it is successfully submitted on the OTP page.)
Registering a Computer: Registering your computer will help you save time the next time you log in. A computer that is not registered will require the use of an OTP each time you log in.
Personalized Image and Caption: You will be asked to choose a personalized image and create a caption which will be displayed on the Password page when you log in to your TreasuryDirect account. Your personalized image/caption helps you to know that you are on the authentic TreasuryDirect website. You may change your personalized image/caption at any time.
Virtual Keyboard: The virtual keyboard is one of many security features introduced in TreasuryDirect as part of our on-going commitment to heightened password and account security. The advantage of using the virtual keyboard is that others are deterred from learning your password.
When Java-Script is enabled, each time you arrive at the "Password" page you will be presented with a virtual keyboard to enter your password. Use your mouse with the virtual keyboard to enter the letters, numbers, and special characters that are contained in your password.
Choosing a Password: When you open a new account or change your password, you'll need to follow the latest guidelines for choosing a password. If you are already an account owner, we encourage you to change your password if it does not conform to the latest guidelines. When selecting a password, please keep the following in mind:
Length. Use at least eight (8) characters without spaces.
Characters. Use at least one letter, one number, and one special character such as $ or %, but excluding <\>
Content. Avoid numbers, names, or dates that are significant to you. For example, your phone number, first name or date of birth. Try to choose a password based on a memory aid.
Choosing Security Questions: When you open an account, you must select three security questions and provide answers, which we'll use to confirm your identity if you forget your account number or password. As an added security measure, we may also require you to answer one of your security questions when you attempt to perform certain transactions. When prompted to answer a security question, your response must match your previous answer. You may change your questions and answers at any time. If you previously chose the question "What is your mother's maiden name?" or the question "You were born in what city?" we recommend that you consider different questions, because the answers to these are easier for others to find. The special characters !^[ ]|"< > are not valid characters for answering security questions.
Customer Hold: As an added security feature, TreasuryDirect allows you to place a hold on your account. If you believe someone else has learned your account access information and you want to prevent unauthorized access to your account, you may edit your Account Info in your primary account to place a Customer Hold. This action will prohibit all transactions associated with your primary and linked accounts. After you place your Customer Hold, you will not have access to your account until the hold is removed. To remove the hold, you must contact the Bureau of the Fiscal Service (formerly Bureau of the Public Debt), Risk Management Group.
Last Login: When you log in to your account, a message appears at the top of the page, displaying the date and time of your last login. If the last login date and time displayed does not coincide with the date and time that you last logged into your account, you should contact the Bureau of the Fiscal Service (formerly Bureau of the Public Debt), by clicking Contact Us. If you believe the security of your account has been compromised, you may also place a hold on your account (see Customer Hold above).
Protected Information: You will notice that some sensitive information is protected or "masked" so that it is not visible on certain pages in your account. On some pages, you may be required to answer one of your security questions to continue with a transaction. These measures provide you with added protection for your account.
Transactions Requiring Paper Forms: For your protection, changes to your bank information and certain security transfers require the submission of a signed and certified paper form.