Most banks allowed opening of FD account without opening a saving account. Best FD, scroll to the top or first page and share with us your findings

the choice of which bank for an individual depends on amt, tenure, one's attitude towards pidm insurance coverage, convenience of location. my read from this thread is for pidm, ocbc, uob and hlb are most popular. non-pidm, bank rakyat. pbb and foreign banks seem not popular.

since u already have cimb and mbb, it does make sense to stay with them for small amt and short tenure. not worth the hassle and extra time and driving since it may be just a few rm a month difference. however for large amts and longer tenure, diff can be huge.

some banks like hlb insist you open an a/c to do fd. others like uob do not.

most major banks do not do "false promo" or "manipulate" - these are usually advertising creatives that have fine print one may tend to overlook, so do read carefully.

thanks to the dedicated taikors, this thread has all the useful info on local fd, do spend time to read and ask specific questions for good answers.

cheers.