{"data":{"id":"us/31-cfr-363.141","jurisdiction":"us","citation":"31 CFR 363.141","heading":"How do I purchase a zero-percent certificate of indebtedness?","body":"(a) Primary and linked accounts. You may purchase a zero-percent certificate of indebtedness through one or more of the following four methods:\n(1) Payroll deduction, in which your employer sends funds through the ACH method to your TreasuryDirect® account;\n(2) Deposit by your financial institution, in which your financial institution sends funds by the ACH method to your TreasuryDirect® account on a recurring or one-time basis;\n(3) Through the Buy Direct function of your TreasuryDirect® account, in which you direct us to debit funds from your financial institution account to purchase a zero-percent certificate of indebtedness. This method is limited to an amount no greater than $1000 per transaction. When you use the Buy Direct function to debit funds to purchase all or a portion of a zero-percent certificate of indebtedness, you will not be permitted to schedule a redemption to your financial institution from the zero-percent certificate of indebtedness within five business days after the settlement date of the debit entry; and\n(4) By using the proceeds from the redemption of a savings bond, the proceeds of a maturing security, or an interest payment from a security to purchase a zero-percent certificate of indebtedness.\n(b) Payroll savings plan. You may purchase a payroll zero-percent certificate of indebtedness for your payroll savings plan through payroll deduction, in which your employer sends funds through the ACH method to your TreasuryDirect® payroll savings plan, or through a credit using the ACH method by your financial institution, in which your financial institution sends funds by the ACH method to your TreasuryDirect® payroll savings plan.","path":["Title 31—Money and Finance: Treasury","Subtitle B—Regulations Relating to Money and Finance","CHAPTER II—FISCAL SERVICE, DEPARTMENT OF THE TREASURY","SUBCHAPTER A—BUREAU OF THE FISCAL SERVICE","PART 363—REGULATIONS GOVERNING SECURITIES HELD IN TREASURYDIRECT","Subpart D—Zero-Percent Certificate of Indebtedness"],"source_url":"https://www.ecfr.gov/api/versioner/v1/full/2026-08-25/title-31.xml","current_through":"2026-08-25","vintage":"","retrieved_at":"2026-08-27T02:25:25Z","sha256":"40ab13e64c697438a3a64680eccbae325469f464562f9bd02c41e86ba76f53cc","source_id":"us-cfr","stale":true,"prev":"us/31-cfr-363.140","next":"us/31-cfr-363.142"},"notice":"GroundRules: Original legal text. Not legal advice."}