I can confirm up to RM2 as that's the amount currently in my MoneyBox. I opened with Rm100 deposit because they gave free water bottle.

Depends duration. Go check the website.

HLB also can

RM380 guaranteed. What other investment method got such guarantee?

FD not for building equity.

All talk about 7 million = how much from FD, as far as I know most FD got cap amount above that they won't pay the rate jor (I think above 1 million then they will reduce your interest rate).

What if you want to transfer much more than that, like 100k or something? Banker's cheque doesn't depend on the amount right?

I thought need to pay tax for interest on savings amount above 250k?

In my previous experience safest and easiest (if there's an ATM card) is just withdraw everything yourself. Bank will not know unless disclosed to them, and if amount is relatively small (not in millions) then withdrawing first saves a lot of time and hassle.

This is for savings/current not FD though. Currently FD is mainly online for me, so same principle, can just login to the online account to do it.

Go HLB 3.7% promo then.

Suggest you read much more information on FD, not even sure how to begin to explain to you. Depends on specific promo. In general tiered/step FD are nonsense offer.

FDs earn money on money you have saved (and can still use).

CCs 'earn' money on money you spent. If you didn't spend that money you'd have more.

Of course, there's always required spending, but anything above that, no matter your CC give you 50% cashback, you're still not 'earning' money, just spending a bit less.

Don't have la, max also 7% or so (AMEX on the Maybank2Kards). Just using example, even if 50% still doesn't mean you're earning money. So lagi at 1-7% you're not 'earning'.

1st month is January 31 days, 2nd month is February 28 days.

Banker's cheque? Safest way IMO. Of course, if you're moving small amounts (a few thousand) then you may not want to pay the fee. Maybank's banker's cheque fee, if I'm not wrong, is highest among all.