With a certificate of deposit, the money you invest is protected by the Federal Deposit Insurance Corp., up to a limit of $250,000 per account as of 2010. Even so, there are times when the certificate of deposit gets separated from its owner, and if that happens to you, there are ways to recover a missing CD.
Visit the bank where you first took out the certificate of deposit. Ask to speak to a banking representative, and provide that representative with as much information as you can about the original CD, including the approximate date it was purchased, the amount deposited and the duration of the certificate.
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Log on to the website of the National Association of Unclaimed Property Administrators if the bank is unable to locate the original CD. The website address is Unclaimed.org. After a dormancy period, unclaimed assets are turned over to the states, and the state treasury departments are responsible for trying to track down the owners of those assets.
Click your state on the map to be connected to that state's unclaimed property department. Enter your name as it would have appeared on the CD. Only your last name is required, but the more information you can provide the more accurate your search results will be.
Complete the claim form on the state website if you locate your lost CD using the search function. Go back to the Unclaimed.org website and search another state if you opened the CD in a state other than the one where you currently reside.