sheesh I read the thread and assumed the penalties were re IRAs--
I think you are being a bit overly 'nervous' about your accounts. I would assume that enough of your CDs would mature in time to move them without penalty by the time these mergers take place. In the longshot scenario that ALL your CDS are long termed..AND your banks get merged into one before ALL the maturity dates--Then you may want to contact the banks legal dept. and see what your protections are.--Highly unlikely scenario though.