For the most part a certificate of deposit isn’t really a certificate anymore. Most banks issue receipts, rather than actual certificates of deposit and the account is primarily a computer entry. All the owner normally needs to claim the deposit is proper identification to prove they are the owners of the CD account. If your bank did still issue an actual certificate or passbook for the CD they will have a procedure to claim the CD if the documents have been lost. The CD is not an instrument of value by itself.

No user commented in " My mom has a certificate of deposit that is coming due in a few weeks, but I can’t find her paperwork for it. Does the bank require the original certificate or documents to redeem the CD and the accrued interest? "

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