A certificate name I heard exists at two banks: how do I find its terms?

Certificate and account names are not exclusive to one bank: you may find the same name, or a very similar one, at more than one bank, and the terms can be entirely different: the minimum and its multiples, the terms and payout frequencies, when breaking is allowed and its penalty, and automatic renewal. So the first step is to confirm which bank offers the certificate you heard about, not just its name; if someone told you about it, ask them which bank. Also bear in mind that general patterns, such as many certificates not being breakable in the first six months, are not necessarily the terms of the certificate you have in mind; the real condition is what the product's own terms say. If a condition is not stated, that means it is not published, not that it does not apply, so ask the bank about it. Ask the bank itself for the certificate's key-facts statement, and check the minimum, the break-penalty table by months held, and whether partial breaking is allowed.