For BR, yes. If you negotiated higher rate, it will renew with the negotiated rate. That's what I was told by BR when placing my first FD with them early this year.

UOB PRUMax is a life insurance, right?
Why locked and burned RM 200?

Ha..ha..   

How snaky are HLB and Mach?

I do not think they are as snaky as OCBC's 4.5% FD bundled with Smart Savers..

Hello Handsome..

if you can make both FD and Smart Savers placements during the 1st day of the month,
after that you withdraw both FD and Smart Savers in 3 months later (better withdraw both during
1st day of the month), then you will get approximately 3.96% p.a. profit rate.

But you have to deposit at least RM 1000 in your Smart Savers in the 2nd and 3rd month in
order to get 3.96% rate.

if you make FD placement + Smart Savers other that 1st day of the months, you will get less
than 3.96% rate.

Smart Savers is the most tricky saving account I have ever seen in my life so far... (if bundled with FD)