Have fd in public bank. It's not Islamic. It's going to mature soon. What should I do once the maturity dates reached? Will it auto renew or it will credited into my saving account? I never agree Any t&c when deposit.

I heard the same. Not sure what strategy UOB is doing now. Though they seems to have been "competing" with OCBC in the past. But now OCBC is still having 4.2% 12 mth promo with gifts some more. 

during placement bank will ask do you want to roll over with interest add on. with your agreement, you sign on the FD t and c. once mature , it will be renewed to the board rate.
my public bank FD matured in May and I have overlooked. it was renewed to board rate. Too busy to withdraw it and just leave it. Problem of having too many different banks and FD. That day also overlook HL. HL bank sent statement without indicating maturity date.

UOB is competing using different month of maturity ..5 months instead of 6, 8 months instead of 9 month. i made a july, 5 months placement so that it will mature in dec. usually most banks will give promotion end of year which i can compare

during placement bank will ask do you want to roll over with interest add on. with your agreement, you sign on the FD t and c. once mature , it will be renewed to the board rate.
my public bank FD matured in May and I have overlooked. it was renewed to board rate. Too busy to withdraw it and just leave it. Problem of having too many different banks and FD. That day also overlook HL. HL bank sent statement without indicating maturity date.

What is board rate? Let say my interest is 3.25 percent , does it mean board rate will be lower? If I choose to withdraw or add on my interest still remain?

Bank - FD rates for 1 month, 3 months, 6 months and 12 months.


Affin Bank - 3.25%, 3.3%, 3.40% and 3.7% (Revised 18/7/14)

Alliance Bank - 3.15%, 3.2%, 3.25% and 3.3% (Revised 21/7/14). FD Gold 12 months 3.40% (Interest paid monthly).

AmBank - 3.15, 3.2%, 3.25% and 3.35% (Revised 18/7/14)

Citibank - 2.95%, 3.10%, 3.10% and 3.20% (Revised 17/7/14)

CIMB Bank - 3.15%, 3.2%, 3.25% and 3.30% (Revised down 7/10/14)

Hong Leong Bank - 3.05%, 3.1%, 3.2% and 3.30% (Revised 16/7/14)

HSBC Bank - 2.90%, 3.10%, 3.15% and 3.25% (Revised 16/7/14)

Maybank - 3.15%, 3.20%, 3.25% and 3.30% (Revised 16/7/14)

OCBC Bank - 2.75%, 2.85%, 2.9% and 3.05%

RHB Bank - 3.15%, 3.20%, 3.25% and 3.45% (Revised 18/7/14)

Public Bank - 3.15%, 3.20%, 3.30% and 3.35%. PB Golden 50 Plus 12 months 3.45% (Revised 16/7/14)

Standard Chartered Bank - 2.95%, 3.10%, 3.15% and 3.25% (Revised 23/7/14)

UOB Bank - 3.05%, 3.10%, 3.10% and 3.30% (Revised 18/7/14)

Board rates are bank's rates without promo. This are board rates

The fd mature on 23/7 . let say on 23/7 can I take out? Will it void the interest I earned?

On maturity date can take out principal and interest, no issue. 

Can top up and continue like normal? What about can ask the interest when mature credit to my saving account?

my public bank FD matured in May and I have overlooked. it was renewed to board rate. Too busy to withdraw it and just leave it. Problem of having too many different banks and FD. That day also overlook HL. HL bank sent statement without indicating maturity date.

Of course can. But why would you want to go for board rates when you can go for promo rates? Why want to give the bank free money? By continuing like normal after maturity, your interest goes back to board rates.

Second, some bank allow you to credit into account, some won't let you. But if you are going for board rates, no problem.

Now which bank offer great interest? Coz public bank need fresh fund. The fd i put is not considered fresh right?

Edit:
I checked my HL Bank statement, the HL Bank just indicate balance, but no individual FD maturity date. But the HL Islamic Bank did indicate the maturity date of FD.  Anyway I think the FD maturity date need to be tracked and cannot depends on the bank statements alone (every 3 mths in this case). But HNWI (or ultra HNWI ?  ) people may not be bothered with the tracking.   

used to track when only placing FD with1-2 banks. after playing too often musical chairs with too many banks, plus ringgitplus free gifts with FD, things started to get loose...must follow goat brother to monitor closely

See first page and second. Why people don't bother to read the first & second page Also fresh fund can be obtained by withdrawing in cash, come back to the same/different bank the next day with cash. You can also go back to the same bank but another branch. More pro tips on how to get fresh funds can also be found on the first page.

Promos are posted on first and second page. Up to you to pick

Again, please read first & second page. 

Anything I can do if my FD matures when I am in overseas?

Inform the Bank to perform auto-renew together with int upon maturity

That would give the board rate  Possible to nominate another person (not joint holder) to uplift?