{"data":{"id":"us/31-cfr-363.147","jurisdiction":"us","citation":"31 CFR 363.147","heading":"How do I purchase a payroll zero-percent certificate of indebtedness?","body":"You may purchase a payroll zero-percent certificate of indebtedness through your TreasuryDirect® account using your payroll savings plan. (See §§ 363.59 and 363.60 for more information on opening a payroll savings plan.) The only method of purchase for a payroll zero-percent certificate of indebtedness is a credit of funds from your employer or financial institution using the ACH method. You cannot purchase a payroll zero-percent certificate of indebtedness by using a debit from your financial institution.","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":"fb6a336b59c0801399bde28d5ae265757308ab47bca6b2dc6f80fecdbff50688","source_id":"us-cfr","stale":true,"prev":"us/31-cfr-363.146","next":"us/31-cfr-363.148"},"notice":"GroundRules: Original legal text. Not legal advice."}