{"schemaVersion":"1.0","generatedAt":"2026-09-22T12:27:26.983Z","description":"Verified CD rollover rules by institution: auto-renew default, grace period, opt-out instruction, and early-withdrawal penalty, each sourced directly from the bank’s own disclosure. A null field was checked and not found, never a guess.","attribution":{"name":"SwitchWize","url":"https://www.switchwize.com","requiredText":"SwitchWize (switchwize.com)"},"asOf":"2026-09-10T22:55:35.117Z","institutionCount":3,"institutions":[{"institutionId":"american-express","institutionName":"American Express","autoRenewDefault":"same_term","autoRenewDescription":"Your CD renews automatically into another CD of the same term.","renewalRateBasis":null,"gracePeriodDays":10,"optOutInstruction":null,"earlyWithdrawalPenalty":[{"termMonths":12,"penaltyText":"90 days' interest on the withdrawn amount applying the interest rate disclosed in your account-opening documents","penaltyDays":90},{"termMonths":24,"penaltyText":"270 days' interest on the withdrawn amount applying the interest rate disclosed in your account-opening documents","penaltyDays":270},{"termMonths":48,"penaltyText":"365 days' interest on the withdrawn amount applying the interest rate disclosed in your account-opening documents","penaltyDays":365},{"termMonths":60,"penaltyText":"540 days' interest on the withdrawn amount applying the interest rate disclosed in your account-opening documents","penaltyDays":540}],"sourceUrl":"https://www.americanexpress.com/en-us/banking/online-savings/cd-account/","verifiedAt":"2026-09-10 22:54:54.562524+00"},{"institutionId":"chase","institutionName":"Chase","autoRenewDefault":null,"autoRenewDescription":null,"renewalRateBasis":null,"gracePeriodDays":10,"optOutInstruction":null,"earlyWithdrawalPenalty":[{"termMonths":1,"penaltyText":"90 days of interest on the amount withdrawn, but not more than the total amount of interest earned during the current term of the CD","penaltyDays":90},{"termMonths":24,"penaltyText":"365 days of interest on the amount withdrawn, but not more than the total amount of interest earned during the current term of the CD","penaltyDays":365}],"sourceUrl":"https://chase.com/cds/","verifiedAt":"2026-09-10 22:55:17.854114+00"},{"institutionId":"wells-fargo","institutionName":"Wells Fargo","autoRenewDefault":null,"autoRenewDescription":null,"renewalRateBasis":null,"gracePeriodDays":null,"optOutInstruction":null,"earlyWithdrawalPenalty":[{"termMonths":null,"penaltyText":"The Regulation D penalty is seven days' simple interest on the amount withdrawn and applies to: Withdrawals made within seven days of account opening including the day the account was opened. Withdrawals made during the grace period, when additional deposits are made during the grace period and the withdrawal exceeds the amount of the matured CD balance. Withdrawals within seven days of any prior withdrawal where the Bank's early withdrawal penalty is not applied.","penaltyDays":null}],"sourceUrl":"https://wellsfargo.com/savings-cds/","verifiedAt":"2026-09-10 22:55:35.117621+00"}]}