Having followed the discussion of removing funds from IRA CDs (under a recent PenFed thread) and not incurring an early withdrawal penalty, I have a number of questions. From what I gather, all banks/CUs must allow it according to IRS rules. I realize that only one rollover per year is allowed. However, does anyone have experience doing multiple transfers out of a single CD in a single year? Perhaps for a RMD, then later for a Roth conversion. Or, in your experience, does your bank/CU limit you to one rollover/transfer per year? Does your bank/CU understand the rules, or is it a hassle to withdraw and not encounter an EWP? If you have institutions who are easy to work with, please list them. Thanks in advance for any input.