Actually for RHB 15 months, if you re-deposit the interest paid every 3 months to your CASA to 1 month rate of 3.25% - you would gain additional 0.7474%

Meaning total effective will be approx. 4.14%

Cons:
1. very small if principal amount is small; might not even worth the hassle to withdraw from RHB every 3 months.
2. to deposit for 1 month minimum 5k required or 3 months you would need 1k.

Example with 100k deposit

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If deposit 10k i think no one would go withdraw less than 100 bucks interest every 3 months for this 0.7% gain.

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

I always use this method..worked so far

Me to bank manager : - u want to make things difficult for u n me ? I withdraw fund to another bank, then I make a fresh application by transferring the money back here. However, if I m pissed, I may not come back here again after transferring the money out.

I want to deposit 10K into the OCBC 3.9% promo (RHB more attractive but don't want to 'risk' now that CIMB buying them up).

Money is currently in a Maybank account. I'd rather not withdraw 10k cash and carry with me, if I write a cheque (I also have a Maybank current account) can that be used to open the OCBC account? Address to my name?

Just now i went to Maybank for FD Merdeka 3+3 with interest 3.73%, but they say it is finish from yesterday  
So it's any better FD promotion for 6 moths?