However it happens, once a CD has lain dormant for a certain number of years, most states require banks to turn those assets over to the states. Or a saver can put some money away in a CD for the long term, preferring to let it roll over continuously. A CD owner can die without specifying a beneficiary or informing their heirs of the asset’s existence. It’s easy for a CD to become unclaimed property. It’s a little ironic that while many CD investors are leaving no stone unturned searching for higher CD rates, millions of dollars worth of CD balances are just sitting unclaimed at banks and in state coffers, waiting for their owners to show up. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.
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