CFR /  Title 31  /  Part 363  /  Sec. 363.147 How do I purchase a payroll zero-percent certificate of

You may purchase a payroll zero-percent certificate of indebtedness through your TreasuryDirect[supreg] account using your payroll savings plan. (See Sec. Sec. 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. [75 FR 70817, Nov. 19, 2010]