Learn More About Funding Options

We offer three ways for you to pay for securities you buy in TreasuryDirect.

Bank Account
You can pay using either your checking or savings account at a bank. When you apply for an account in TreasuryDirect, you give us information about one of your bank accounts. When you buy a security in TreasuryDirect, you can choose that bank account as the source of funds.

Zero-Percent Certificate of Indebtedness
The Zero-Percent Certificate of Indebtedness (Zero-Percent C of I or, simply, C of I) is a Treasury security that doesn't earn interest. It is intended to be used as a source of funds for purchasing Treasury securities.

Payroll Zero-Percent Certificate of Indebtedness
The Payroll Zero-Percent Certificate of Indebtedness (Payroll C of I) is a Treasury security that doesn't earn interest. It is intended to be used as a source of funds for purchasing Series EE and Series I savings bonds through the Payroll Savings Plan.