we allow additional deposits to the variable CDs. my question is, if we wanted to waive the fee, do we have to make sure the withdraw is not made within six days of initial deposit or within six days of last deposit?
Thank you.

If the account is being closed and the entire balance withdrawn, I would say your time frame runs from the date of the last deposit. If the withdrawal is partial, then I think using the FIFO (first-in, first-out) method would be permissible, so long as the most recently deposited funds remained on deposit for at least 6 days and you applied the rule consistently.

Thank you, I appreciate your input.