Manage Certificates

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Your Certificate of Deposit Dashboard

When a customer opens the CD management section, the Certificate of Deposit Management screen shows every CD account they hold. Each certificate card displays:

• Certificate term (e.g. 6 Month, 9 Month, 12 Month Certificate)
• Account Number
• Current Balance
• Maturity Date
• APY (Annual Percentage Yield)
• Interest Rate

Click Manage on any certificate to see the available options for that account.

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Certificate of Deposit Options

After clicking Manage, the Certificate of Deposit Options screen appears. It shows the selected certificate’s details at the top and two action choices below:

• Renew certificate — renew at the same or a different term at today’s published rate
• Close and transfer to another account — close the certificate and move the balance to another account

Click Select under the action you want.

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Renewing a Certificate

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Step 1 — Certificate of Deposit Renewal Options

The renewal screen shows the selected certificate at the top. There are two sections: Add or withdraw funds from certificate (left panel)

• Choose Add funds or Withdraw funds using the radio buttons
• Select a funding account from the dropdown
• Enter a funding amount

Renew certificate (right panel)

• Select a new term from the Term options available dropdown (e.g. 9 Months)
• The rate and APY for that term appear automatically once a selection is made
• Click View Current Rates to see all available rates before deciding

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Step 2 — Fill in your preferences

Select your funding account, enter an amount, and pick a term. The rate and APY populate automatically on the right once a term is selected. Click Submit when ready.

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Step 3 — Transfer Authorization

A Transfer Authorization modal summarises the transaction before anything is submitted. Review the details carefully: Click Submit to confirm, or Cancel to go back and make changes.

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Step 4 — Success

A Success confirmation modal confirms the renewal. It shows the final account details:

• Account Number
• Effective Date
• APY
• Interest Rate
• Balance

Click Close to return to the CD dashboard. The dashboard will refresh automatically to reflect the updated account. Note After a successful renewal, an alert notification confirmation is sent to the customer.

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Closing and Transferring a Certificate

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Step 1 — Certificate of Deposit Closure Options

The closure screen shows the selected certificate at the top and a Close and transfer to another account form below. Fill in:

• Select account — choose where the balance will be transferred (internal or external account)
• Reason for closing — select from available options (e.g. “Reached my savings goal”)
• Transfer amount — pre-filled with the full current balance; edit if a partial transfer is needed

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Step 2 — Fill in your transfer details

Select the destination account and a reason for closing. The full balance is pre-populated in the transfer amount field. Click Submit when ready.

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Step 3 — Internal Transfer Authorization

A Internal Transfer Authorization modal appears showing a summary of the transfer: Click Submit to complete the closure, or Cancel to go back.

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Step 4 — Success

A Success confirmation modal confirms the certificate has been closed and the balance transferred. The confirmation shows:

• Effective Date
• Transferred to Account
• Amount Transferred

Click Close to return to the dashboard. The closed certificate will no longer appear in the CD list. Warning Closing a certificate before its maturity date may result in an early withdrawal penalty. The institution’s terms and conditions apply. Review your certificate’s maturity date before proceeding.