Term and conditions is you must have a advance account.

Minimum 5k and maximum 30k only.

Can withdraw after 3 months or else renew at board rate which is pretty low if you compare to other local bank board rate.

I called Maybank branch near my place too. They said they dont have the 6 months step up FD. Only got the 6 + 6 months with effective interest rate 4.1%.

However, they told me they having this promotion for 3 months at 3.88%.

Nowadays banks want to know source of our funds   

Last time another member mentioned he wanted to place a FD with OCBC but they told him to "balik kampung" and place the FD with their branch near to the address shown in his NRIC.

Yesterday I went and withdraw my money from UOB in cheque and cash forms. They also wanted to know why I taking out the money, For the cheque, I said to go deposit with other Bank's FD Promo. For the Cash, I said I going Genting  And they actually keyed into the system what I said 

I then when over to MBB to deposit the cash into my Savings Account with the teller (as I wanted the money ready for Q-Cash first thing in the morning today), and they made me fill in a Declaration Form  stating the Source Of The Fund As for the Bank Draft where I placed with MBB Promo, no question asked.

Nowadays, banks very fussy where Source of Our Funds come from, especially if you are new to them.