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I thought it (Zero-Percent Certificate of Indebtedness) is just a way to adjust your Treasury Direct account without actually transfering it to your checking or savings account.
For instance you have the 6 month t-bill, after 6 months they pay it to your Zero-percent account and you turn around and buy another 6 month t-bill without it going to your checking account.
If I am correct it makes sense to me.
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