dcsimg

PLANNING & GIVING

Savings Bonds in Trust Form

Bonds can be registered to trusts in the name of the trustee of a personal trust estate. Personal trust estates are defined in the governing regulations as trust estates established by natural persons in their own right for the benefit of themselves or other natural persons in whole or in part, and common trust funds comprised in whole or in part of such trust estates.

Paper bonds registered to individuals may be reissued to a personal trust estate as follows:

  • Single ownership form may be reissued to a new sole owner including a trustee of a personal trust estate created by the owner or which designates as beneficiary either the owner or a person related to him/her by blood (including legal adoption) or marriage.
  • Co-ownership form may be reissued to a trustee of a personal trust estate created by either co-owner or by someone else if either co-owner is a beneficiary of the trust or a beneficiary of the trust is related by blood or marriage to either co-owner.
  • Beneficiary form may be reissued to eliminate the names of the owner and the beneficiary and to name as new owner the trustee of a personal trust estate, which was created by the owner or which designates as beneficiary either the owner or a person related to him/her by blood (including legal adoption) or marriage.

Bonds reissued to a personal trust estate are no longer issued in paper form but, instead, are issued as electronic bonds in TreasuryDirect. See information about trust registrations for electronic bonds.

For information about reissuing bonds in a trust, see How to Reissue Bonds to a Trust.

Examples of authorized registrations can be found on our Sample Registrations page.

Irrevocable and Revocable Trusts

An irrevocable trust is one that the grantor may not rescind or cancel. The governing regulations do not require that either term be included in the registration of bonds.

A revocable trust is one which the grantor has the option of rescinding or canceling.

More information on personal trusts is available in our Q&A.

Get information on reissuing bonds to a trust, submitting requests for reissue, and redeeming bonds belonging to a trust.