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A payable on death (POD) designation means your bank account automatically transfers to a beneficiary upon the death of all account owners and co-owners.

Note: United States Savings Bonds must be held for a minimum of one year from their issue date before they are eligible to be redeemed. Log into your primary TreasuryDirect® account. Click the ManageDirect® tab at the top of the page. Under the heading Manage My Securities, click "Redeem securities".

The person who becomes the owner after someone dies is the “beneficiary” for that bond. When a bond includes a beneficiary, the bond is registered with the words “payable on death” or the letters POD.

For bonds where you are named as the beneficiary: Certified death certificates for everyone named on any of the bonds who has died. Note: A co-owner does not need to send the death certificate(s) for this option because we aren't issuing a new bond in your name and removing the first-named owner.

A Pay on Death (POD), aka Transfer on Death (TOD) and Totten Trust, allows the account owner to designate a specific beneficiary who will receive the funds in the account upon their death, bypassing the probate process.

A survivor is named on the bond(s) If only one person is named on the bond and that person has died, the bond belongs to that person's estate. If two people are named on the bond and both have died, the bond belongs to the estate of the one who died last.

However, if the owner dies, instead of the bond going into the person's estate, the beneficiary automatically becomes the single or sole owner. The beneficiary must be a person, not an entity. The registration says "POD" standing for "PAYABLE ON DEATH."

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