Banks aren’t always on the up and up with bank CD’s. In fact, if you’re not careful, your CD situation can change, and not to your financial benefit. – – – Need banking and savings experts to list the “gotcha’s” that come with CD;s, i.e. automatic renewals at lower rates or early withdrawal penalties – things like that. Need your best CD “gotcha” items and how to avoid them. Thanks. Requirements: Banking experts, bank CD experts, savings experts, actual CD savers.