Affin bank

I will go for Hong Leong Bank's 3.8% pa for 1 year tenure.

If you have a kid, you can consider 4.5% pa for 2 years tenure (in Hong Leong Bank)

Or you can consider 3.5% pa for 6 months tenure in UOB.
Or 3.4% pa (average from 3 months) for 3 months tenure in UOB.

I do not put FD for 1 month term now.

Yes, you will need to open a Flexi FD account (it is a current / checking account), if you do not need to
use cheque from Hong Leong bank, just tell Hong Leong Bank you do not need cheque.

Then you just need to deposit RM 10.00 to open and maintain a Flexi FD account, so that the 3.8%
interest will deposit  into your Flexi FD account.

The whole process is very simple.