OCBC 3.9% 12-mth better or RHB 4.1% 15-mth better ya? Duration of FD placement is not an issue to me (not using the funds)

MBB needs fresh funds for Merdeka FD promotion.

MBB didnt allow me to use my existing funds in my savings account.

My plan was place some in MBB and some in RHB. So I transfer to each other account lor. RHB funds I go deposit at MBB Merdeka Promo. Then MBB funds I transfer to RHB use for the 15-mth 4.1% promo. Luckily earlier FDs there mature almost same time .. so ngam ngam timing la.

What is the general understanding of big sum & small sum? Big sum = above Rm500k or Rm100k or how much?
Small sum = Rm10k?

What is the definition of fresh funds?

I transferred online from MBB everyday 10k to my RHB current account. After few days, I went to RHB to transfer the sum to RHB step up promo 15-mths. They said cannot! Fresh funds means must be within 1-2 days they can accept. Anything longer, they said not "fresh" wor! Really? But I cannot transfer online 50k or 100k at one go mah. RHB said ask MBB to issue bankers cheque for full amount, then bring the check to them, only then they can give me the 15-mth step up promo rate.

Now all my funds in RHB current account for nothing .. haih. Now I have to transfer out the funds again & then get bankers' cheque?

May I know what is the diff between Islamic and Conventional FD? Anything that I should be worried about as I plan to place in OCBC 12-mth FD promo.

RHB pun ada.

2 yrs @ 4.2% .... ok ga?

Narrowing down their target market - bigger fish with longer term.