据官网说你有权redeem孩子的ibond：
https://treasurydirect.gov/indiv/help/treasurydirect-help/user-guide/121-130/
A Minor account is a custodial account you may establish for a child under the age of 18 if you are a parent, natural guardian, or person providing chief support. You may purchase, redeem, receive gift deliveries, and perform other transactions within the account on behalf of the minor.
孩子的官网账户并不连接银行账户，只有你的官网账户连接着你的银行账户，给孩子买ibond时钱就是来自和你官网账户相连接的你的银行账户，那为什么redeem时钱就不能回到那个银行账户呢？何况这也是唯一可行的redeem方式。
在报税时，孩子的这笔收入可以放在你的税表里一起报。
https://www.taxact.com/support/21216/2022/forms-8615-or-8814-children-investment-income-aka-kiddie-tax
Forms 8615 or 8814 - Children Investment Income aka Kiddie Tax. The choice to file Form 8814 Parents' Election To Report Child's Interest and Dividends with the parents' return or Form 8615 Tax for Certain Children Who Have Unearned Income with the child''''s return is one to be made by the preparer of the return.
