The certificate of deposit expires in two years, and the financial manager did not remind him.

The bank failed to send a reminder in time, and the customer information was inaccurate.

1. According to the query of China Bank official website, the bank failed to send the reminder in time: the bank may fail to send the reminder in time due to various reasons, such as internal system problems, personnel changes, record errors, etc. In this case, it is necessary to contact the bank to check the account records and understand the specific situation.

2. Incorrect customer information: the bank does not have accurate customer information, but has contact information or address. Even if the bank wants to notify, it can't contact in time. You can try to contact the bank and provide accurate personal information for timely notification.

3. Negligence of wealth management manager: the wealth management manager failed to notify in time due to negligence or insufficient awareness of the maturity of large deposit certificates. You can try to communicate with the financial manager to find out why you didn't receive the notice and ask for more attention in the future.

4. Limitation of contract terms: Some banks will stipulate in the contract terms that customers will be reminded irregularly. There are no relevant clauses in the certificate of deposit contract, so they can question the bank and ask it to give a reasonable explanation.