What is the easiest way to cash in a US Savings Bond?

I have a $50.00 United States Savings Bond that my mother purchased in 1995, my bank will not cash it for me. Please share with me your experience with cashing in savings bonds and the easiest way to do so. Thank you very much!|||1. Did you ask the bank why they won't cash it? Almost all banks will.|||I assume that the bond is in your name, and not in your mother's name, and that your mother is still alive.



If she purchased it for you in 1995, you are probably 15 years old now, and the bond is titled something like: Your Name UGMA Custodian Mother's Name. If so, the bank will only cash it for you if you are 18 years or older, or if the parent who is named on the bond is with you.



If you are over 18 and the bond is in your name, the bank should cash it for you if you bring a good photo id.|||Whoa, partner! WHY won't the bank cash it for you? That's the standard method, so you're not telling the whole story - including your current age.