u definitely need to learn how to read ads with fine prints better...

the big numbers in red says 4.28% with small print p.a.= per annum = per year.
below, 4.08% p.a. first 6 months, 4.28% p.a. next 6 mths.

now, go further below and read small print: effective campaign rate for 12 months placement is 4.18%.
it means this promotion is ONLY for 12 months, cannot do 1 or 3 or 6 or 9 months.
months 1-6, it is 4.08% p.a., so u get 6/12x4.08% = 2.04%. months 7-12, it is 4.28% p.a., u get 6/12x4.28%=2.14.
add the 2 periods, you get 2.04+2.14=4.18% which is what is stated too.

that's the way it is done. ads with big and small prints are meant to attract attention but qualified in case they get sued for misleading public.

if u ever read any ad and think it is 4 or 5% for 6 months or 10% for a year, u know it is wrong. no bank is  offering that much at this time.

Individual type can put joint name?

CASA is not necessary for some banks. I opened with Ambank for their 6 months @ 4% promo with no account opened. Just an FD cert. When matured, you can close that FD, the principal + interest shall be paid to you. Some banks charge for the bank draft if I'm not mistaken.

Minimum RM10k

PB not sure. Maybank required ..

Walaooo weh, you think we all full time bank stalkers meh? 

Few months ago, HL FD that I place didn't require.

One name will do.