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You need to speak with a representative at the bank that holds the CDs to review the manner by which those CDs are titled. If you hold as a joint owner with another person your interest may automatically pass to that other person upon your death. You would need to make special arrangements with the bank if you want your interest to pass to your wife.

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Q: Upon my death if I have joint owners on a CD can my surviving spouse claim the CD'S even if she is not listed as a joint owner?
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