Bank gets POD backwards

I just tried to redeem some Savings Bonds that are registered "my name POD my husband's name." The bank said this means I can't cash the bonds until my husband dies. How do I fix this so I can cash them now?

Tom's response

If I kept a list of the crazy things banks tell people about Savings Bonds, this would immediately jump into the top 10. The person you talked to at the bank has it exactly backwards.

This registration means that you are the owner of the Savings Bonds and that they are payable on your death to your husband.

There's nothing preventing you from cashing the bonds whenever you like, but your husband can't cash them unless you've died.

If no one at your bank understands this, see my post on how to redeem your bonds directly with the Federal Reserve.