No No No. holding a cheque book normally is Full Flexi type. For full flexi, u only need to deposit your extra into the current acc, then bank will auto offset the daily interest in loan acc

For Semi Flexi type, even if u pump more into the loan acc, it wont offset. U have to call the CS, to transfer the extra from SAVING into the LOAN for offset. The withdrawal for future will be a bit leceh and got charges.

Full flexi got rm 10 arrest fee per month but got free use of debit card and cheque book, semi flexi no charges only the debit card annually