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Can you hold two CD accounts in different banks one as a joint account and the other in a single name?

Yes. You can open individual and joint CD accounts with different banks. If the accounts do not exceed the FDIC insurance coverage, you can open CDs under individual names and joint names in the same bank as well. FDIC insurance will not preclude you from having multiple CDs or any other accounts with same bank; it is simply sound investing to make sure your accounts have complete FDIC insurance coverage.

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