So what do I do with these savings bonds?

You don’t need the serial number. The website asks for it, but will happily give you a value even if you leave it blank. Anyway, checking EE bonds $200 face value issued in January 1991 - 1997:

1/91 - $368
1/92 - $354
1/93 - $340
1/94 - $258
1/95 - $248
1/96 - $211
1/97 - $210

No idea why the huge dropoff between 93 & 94. And you will owe federal income tax on the interest portion of the bond.

To answer my own OP:

It turns out that Capital One and Chase will both cash up to $1000 worth of savings bonds for non-account holders, if you ask them nicely. And it didn’t take that long, either.

Good thing they did, too. I forgot how expensive Manhattan was.

thanks for the update!

And thanks for reminding me how expensive Manhattan is going to be when I go there next week :slight_smile: