When Is Interest Due?
HH/H bonds pay interest every six months. The first payment is due six months from the issue date shown on the bonds. See HH/H Interest Payment Dates and Rates and Final Maturity Dates to determine when payments are due on your bonds. Before you report a missing payment, be sure a payment was due.

Payment By Direct Deposit
If your payments are sent by direct deposit to a financial institution, before reporting nonreceipt of the payment contact your financial institution for verification of the deposit. Payments are transmitted to be received by the first day of the month, so it is possible a payment has been credited during the last few days of the preceding month. For example, a payment due February 1 may have been credited to your account the last few days of January.

Check Payment
Some HH/H redemption payments and HH/H interest payments are made by check. Occasionally a check is lost, stolen, or destroyed. If you're missing a check issued for the redemption of HH/H bonds, contact the financial institution you submitted the transaction to for processing. They should track the payment to determine its status. For missing interest checks, contact our office as explained below.

How Do I Report a Missing Payment?
Take the following steps in reporting a missing payment.

• Establish that a payment was due.
• If the payment was issued by direct deposit or was for the redemption of bonds, contact the financial institution involved.
• Once it's established that a payment was due and is missing, notify our office in writing, providing the date and amount, if known, of the payment. Also furnish the name and social security number on the account or bonds involved. The notice must be signed by the owner, co-owner, or authorized representative.

If you need to send us information, see How to Contact Us.

What Happens Next?
Once we receive your report of a missing payment, in writing, we'll research the records to determine the status of the payment. If we find that a direct deposit payment was deposited, we'll give you that information. If a check payment was cashed, we'll tell you that information as well. If a copy of the cashed check is needed, we can provide it upon request. If the payment hasn't been deposited or the check cashed, the payment will be replaced. It usually takes 2 - 3 weeks to research our records and get back to you.