Estate Law Questions? Ask an Estate Lawyer.
A Certificate of Deposit with a Pay on Death Benefit (POD), means the owner of the CD has named a direct beneficiary of the asset and it does not have to go through probate. Since it is not a probate asset, it is not controlled by the Last Will & Testament. The best analogy is to the beneficiary of life insurance. The money goes directly to the named beneficiary.
Based on the information you provided, the 6 CD's have your wife named as the beneficiary. This means the money is hers alone. All she needs to do is go to the bank where the CD's are located with an original certified death certificate to liquidate and close the accounts. An estate does not need to be opened and no one has a legal claim to those accounts.
Please let me know if you need any clarification regarding this topic.
Also in Virginia there is no such thing as a formal reading the decedent's Last Will and Testament.