Another thing to note, if you're particularly trying to load up, is you can buy I-bonds as a 'gift', separate of your individual limit. Specifically you and your spouse can buy $10k each directly, plus each buy $10k as a gift to the other (thus $40k total). You can actually buy >$10k as a gift for someone, but you can't transfer beyond $10k a year to that person, effectively increasing the minimum hold period.
Also a general note - you can enter your payment account electronically, but ever changing it requires mailing a form! So choose wisely.