31 CFR § 363.37 - How do I purchase and make payment for eligible Treasury securities through my TreasuryDirect ® account?

---
identifier: "/us/cfr/t31/s363.37"
source: "ecfr"
legal_status: "authoritative_unofficial"
title: "31 CFR § 363.37 - How do I purchase and make payment for eligible Treasury securities through my TreasuryDirect ® account?"
title_number: 31
title_name: "Money and Finance: Treasury"
section_number: "363.37"
section_name: "How do I purchase and make payment for eligible Treasury securities through my TreasuryDirect ® account?"
chapter_name: "FISCAL SERVICE, DEPARTMENT OF THE TREASURY"
subchapter_number: "A"
subchapter_name: "BUREAU OF THE FISCAL SERVICE"
part_number: "363"
part_name: "REGULATIONS GOVERNING SECURITIES HELD IN TREASURYDIRECT"
positive_law: false
currency: "2026-04-05"
last_updated: "2026-04-05"
format_version: "1.1.0"
generator: "[email protected]"
authority: "5 U.S.C. 301; 12 U.S.C. 391; 31 U.S.C. 3102,  31 U.S.C. 3121,"
regulatory_source: "67 FR 64286, Oct. 17, 2002, unless otherwise noted."
cfr_part: "363"
---


# 363.37 How do I purchase and make payment for eligible Treasury securities through my TreasuryDirect ® account?

(a) *Online purchase.* Purchases of eligible Treasury securities through your TreasuryDirect account must be made online.

(b) *Payment for savings bonds and marketable Treasury securities.* You can pay for eligible savings bonds and marketable Treasury securities by either a debit from your designated account at a United States financial institution using the ACH method, or by using the redemption proceeds of your zero-percent certificate of indebtedness. You can pay for savings bonds automatically using the redemption proceeds of your payroll zero-percent certificate of indebtedness through the payroll savings plan.

(c) *Payment for zero-percent certificate of indebtedness.* You can pay for a zero-percent certificate of indebtedness by:

(1) A credit from your financial institution or employer using the ACH method to your TreasuryDirect® account;

(2) A debit from your designated account at a financial institution using the ACH method, limited to $1000 or less per transaction; or

(3) Using the proceeds of maturing securities held in your TreasuryDirect® account.

(d) *Payment for a payroll zero-percent certificate of indebtedness.* The only method available to purchase a payroll zero-percent certificate of indebtedness is to arrange for your employer or financial institution to send a credit by the ACH method to purchase a payroll zero-percent certificate of indebtedness in your TreasuryDirect® account.

[70 FR 57443, Sept. 30, 2005, as amended at 75 FR 70816, Nov. 19, 2010]