Useful Links

Savings Bond Calculator (current bond value
I-Bond vs. EE Bond

Savings Bonds Information Resources

Learn more about I Bonds (FAQs)
Learn more about EE Bonds (FAQs)
Planning
Forms
Tools

Bond Participants

If you have questions, please have a look at the frequently asked questions below, if your question is not answered below, please call Customer Service as (800) 426-9314 option 5 or e-mail support@nbtco.com. If your company does not participate in our program, please ask your Human Resources department to either call (800) 426-9314 or view www.nbtco.com. However, if your company does participate on our program, and you are interested in enrolling in the program, please call our Customer Service Center, (800) 426-9314 option 5.

Frequently Asked Questions
”New to the NBT Bond Program? Here’s how it works.”
Your payroll department forwards your bond deductions to NBT. Once a month, we will run bonds for your company and, depending on how much you have in your account, you are issued the bonds you’ve requested at sign-up. Your bonds start to accrue interest from the first day of the month they are issued, and will continue to earn interest up until the point they are cashed, a maximum of 30 years.
“How long before I can cash my bonds?”
Your bonds can be cashed one year from their issue date. If, however, you cash them before holding them five years, a three month interest penalty applies.
“What are my bonds worth?”
Please use the “Savings Bond Calculator” under the “Useful Links” to the left.
“What’s the difference between ‘I’ and ‘EE’ bonds?”
Please use the “I-Bond vs. EE Bond” link under the “Useful Links” to the left.
“How can I sign up for the Bond Program through National Bond and Trust?”
Please contact our Customer Service Center at (800) 426-9314 option 5, and ask about enrolling in the program.
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