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Where do I cash in a savings bond? You can cash paper bonds at a bank or through the U.S. Department of the Treasury's TreasuryDirect website. Interest begins to accrue no later than the Business Day we receive credit for non-cash deposits (for example checks regardless of how they are deposited). For. Do NOT cash bonds or notes if: ? any information on those bonds or notes has been altered;. ? the bonds or notes are mutilated or defaced in any way;.