Fixing misspelled name on savings bond

Wednesday, January 12th, 2005
Categorized as: Savings Bond registration changes

I bought a savings bond for my granddaughter, who is 18 months old. The registration has an “s” at the end of her last name that should not be there. Will she have problems cashing the bond at a later date?

Tom’s response

Generally a minor misspelling isn’t a problem. The Treasury would prefer that you leave it as is, but if you’d be more comfortable having the spelling fixed, use Public Debt Form 4000.

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On November 8th, 2008 Danielle said:

I Have Recieved Many Savings Bonds BUt I Realized That When I Recieved A Few Of Them As A Gift They Had My Fathers Last Name As Mine. My Last Name Legally Was Never THe Same As Him. Am I Still Able To Cash Them Even Though I Never Had That Last Name?

On November 10th, 2008 Tom Adams said:

Danielle – You just need to convince a bank officer that you are the person named on the bond. It would probably help to take your birth certificate, which should show your father’s last name.

Tom Adams

On November 18th, 2008 David Ford said:

How do I correct a misspelled name on a savings bond that I ordered.

On November 19th, 2008 Tom Adams said:

David – I was going to refer you to a page on this web site that deals with this issue, but that’s this page.

Click on the form mentioned in the answer at the top of the page, fill it out, have your signature certified on the form by a bank, and send it with the bond to the address in the instructions on the form.

Tom Adams

On February 9th, 2009 Clayton Barco said:

Should I submit a PDF 4000? We just received about 300 bonds from save keeping and my spouse’s first name is mispelled.

On February 11th, 2009 Tom Adams said:

Clayton – If it’s worrying you or your wife, you should have it fixed.

Tom Adams

On June 21st, 2009 SN said:

I won this contest where the prize was a savings bond. My name is misspelled…There’s a D instead of a P in my last name. Would this be an issue?

On June 22nd, 2009 Tom Adams said:

SN – I don’t have an answer for you beyond the text at the top of this page.

Tom Adams

On January 20th, 2010 mark said:

My mother gave me some savings bonds before she passed away. She told me that I was the benefactor of them. However, I am confused. My name was on them below hers but she did not put my middle initial on them. My father who passed away years ago and I share the same first name but different middle names.
Is it legal for me to cash these bonds in? Or how should I handle this.

On January 20th, 2010 Tom Adams said:

Mark – So let’s say it’s really your father’s name on the bonds. When he died, your mother became sole owner. When she died, they go into her estate to be distributed according to her will. Who would get the bonds in that case?

If it’s still you, it can be far less complicated to believe your mother when she told you it was your name on the bonds and not your father’s. If she had no other assets then you can avoid having her will probated. You will need a copy of her death certificate to have the bonds redeemed or reissued in your own name.

Tom Adams

On March 11th, 2010 Janet said:

My children received US Savings Bonds as gifts from my Aunt back in 1996. I looked at them recently and noticed the only names on them are my Aunt’s and Uncle’s (her husband). I think she thought these were transferable or whoever held them could redeem them. From what I am reading this is not true – can I have them changed into my children’s name or does my Aunt have to redeem them? Thanks!

On March 16th, 2010 Tom Adams said:

Janet – they legally belong to your aunt and uncle and only they can redeem them.

Tom Adams

Comments Closed

June 1, 2010

After six years, over 400 posts, 3,680 real comments, and over 90,000 spam comments (thank you, Akismet, for making managing a blog with comments possible), I am closing public comments on I will contine to update the main articles on this site, but not the comments.

Virtually every question about Savings Bonds has been asked and answered on this site multiple times. Use the search feature (see the box in the gray area near the top of this page) or the detailed menu on the lower part of the home page to find the information you're looking for. If you have a copy of Savings Bond Advisor, you can ask me a question here.

Tom Adams

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