Unless you name the bank Shit, then I won’t stick around long enough to find out how it smells.
I recently was approached by a client who complained endlessly about CD rates being on the floor. Poor guy ends up at a brokers office and gets sold an index-linked CD. Fear makes you stupid. Any product that promises all the up-sides with no down-sides is usually over-hyped. You as the informed consumer, must do your research.
Everyone says read the fine print. That’s a good start but, you’ll probably be frustrated by the time you get to the second bullet point. You can Google it (add terms such as fraud ex. index-linked CD fraud), talk to someone who has professional knowledge of the product, or talk to your trusted un-biased Banker.