I recently rolled some CDs, no such questions were asked. It's probably because I'm a Democrat and we get special treatment. Same with money market accounts. Assuming they're money market checking accounts, all deposits and interest are insured to 250K. The bank can charge inactivity fees if the acct. stays dormant for a period of time. If the acct. were small enough, inactivity fees could conceivably empty it out. MM deposit accounts are not a good place to put long term moo-la anyhow.

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You're a daisy if you do.
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84 Euro 240D 4spd. 220.5k sold
04 Honda Element AWD
1985 F150 XLT 4x4, 351W with 270k miles, hay hauler
1997 Suzuki Sidekick 4x4
1993 Toyota 4wd Pickup 226K and counting