I'm fairly satisfied with OCBC's plan. Essentially, you are getting interest at a rate that is very close to FD as long as you deposit at least RM1k every month into the account without withdrawal. On top of that, if I'm not mistaken you get bonus interest if your balance exceeds 10k. I think it goes up to about 3.1% or something.

I treat it almost like a FD, but if I happen to need emergency funds or there are shares I suddenly want to buy, than I get to pull out some money and all I lose is the interest for that month. This makes it more flexible than a FD.