If a CD held by a NY resident is escheated to the state for non customer contact after the CD renews and the 3 year requirement, can the Bank take an early withdrawal penalty from the CD prior to escheating the funds to NYS?

Time Accounts

In the absence of depositor contact, the three year dormancy period on time deposits (including
automatically renewed accounts) begins at the first maturity. However, do not interrupt a
time deposit in the middle of a term to report to us, with the following exception:

In the absence of depositor contact, the dormancy period of an automatically renewable twoyear
account issued in April 2010 would begin in April 2012, at maturity. Ordinarily, the
dormancy period would expire in April 2015, and the account would be deemed abandoned as
of June 30 of that year. However, because of the automatic renewal provision, the account
would be renewed for two years in April 2014. You would then report it to us as of June 30,
2016. However, if you establish depositor contact during a renewal term, the dormancy period
begins at the end of that term.

https://www.osc.state.ny.us/ouf/reporters/files/banking.pdf