Steps to Open I Bonds Registered as Individual

Before you begin, please gather the following information:

Account Owner (who is purchasing the bond)

  • Name (First, MI, Last)
  • Taxpayer Identification Number (SSN)
  • Date of Birth
  • Driver’s License # and Expiration Date (optional)
  • Address
  • Phone Number
  • Email Address

Bank Information for Funding Account

  • Bank Name
  • Account Number
  • Routing Number
  • Name on Account

POD (Beneficiary Information), if applicable

  • Name (First, MI, Last)
  • Taxpayer identification Number (SSN)


Step 1 – Open an account with

  • Visit this link, scroll to the bottom of the page and select Apply Now.
  • Choose “Individual” as your account type and then scroll to the bottom and click Submit.
  • Confirm all information is correct and click Submit.
  • Choose a personalized image for your account and enter a caption. Choose a password then retype it below. Enter a password reminder. Answer 3 of the security questions then click Submit.

You should then receive an email with your account number which you will use to log in.

After receiving your Account number via e-mail go to this link for the next step in the process. Enter account number from email and click Submit.

  • You will then be e-mailed a one-time password (OTP).
  • Enter your one-time password (OTP) and check if you would like to register your computer if you don’t want to repeat this step each time you log in. Click Submit.
  • The Personalized Image and caption you chose should show at the top of the page.
  • Use your mouse on the Virtual Keyboard to enter your password then click Submit.

Step 2 – Add Payable on Death (POD), if not applicable proceed to Step 3

  • Click on the ManageDirect tab at the top of the page.
  • Under Manage My Account, click Update my Registration List.
  • Click Add Registration.
  • Select the Beneficiary check box at the top.
  • Under First-Named Registrant, fill in the Account Owner’s information (Your information).
  • Under Second-Named Registrant, fill in the Beneficiary’s information.
  • Check the “Make this my preferred registration” box.
  • Click Submit.

You should receive a confirmation email that a new registration has been added.

Step 3 – Purchase an I Bond

  • After you are logged in, click BuyDirect on the top menu bar.
  • Choose Series IAn accrual-type security with a combination interest rate of a fixed and an inflation rate.
  • Ensure the correct registration with POD (if applicable) is selected at the top of the page.
  • Enter purchase amount.
  • Select a source of funds.
  • Choose purchase frequency and repeat dates if applicable click Submit.
  • Review that all the information is correct and click Submit.

You should receive a confirmation email of your New Purchase.