I have seen "signature on file" so many times through the years and it still surprises me. Somewhere we have failed to help branch personnel understand that each new CD is a new contract with the customer. You can't rely on prior, terminated contracts for signatures. The same customer that raises the roof because you want his poor, crippled wife to come in to the bank to sign "that silly form" is the same customer that will sue the bank for putting his name on an account without his signature.
Life without Jesus is like an unsharpened pencil - it has no point.