Just a quick opinion of mine.

RM2k x 3.15% pa /12 = RM5.25 per month (eFD from your current bank account)
RM2k x 3.9% pa /12 = RM6.50 per month (over counter)

Personally, the difference in actual amount is too little to trouble yourself over the counter. Your time alone is worth more than the RM1.25 cents a month (or RM3.75 over 3 months). While I understand it varies individually, only go to counters when the difference in amount is more valuable than the time spent, or/and petrol and parking spent.

Example
RM10k x 3.15% pa/12 = RM26.25 pm
RM10k x 3.90% pa/12 = RM32.50 pm

Over 3 months, RM18.75 ... at least this covers your time (to some, RM19 isn't even worth the trouble), assuming you just need to walk there. Remember, it's not just once that you need to go over. You need to go to counter as well to uplift. That will be 2 visits just to make that difference is amount compared to eFD. Maybank 3 months eFD is 3.20%. The difference will be even lesser since I'm only using 3.15% for calculation.

Remember, we're all in this thread to make sure our money works for us, with as minimal effort as possible. If cost>interest gained = no good ROI. Unless the bank is just within walking distance of your office, then I think it wasn't a good idea to go OTC.

Just uplifted my 1 year FD 4% @ SCB. And as expected, while doing so, RM came out to try to convince me to continue leaving my money with them. Was approached with a capital guaranteed bond, with a yearly interest of 4.7xx% and no lock in period. If place today or tomorrow, they will pro-rate by end of this year and transfer interest into existing CASA. And if redeem any time next year, will also pro-rate. Another bond was giving 4.6xx% ... Both with no sales charge or fees involved.

So, if I can't think of any other offer, I might opt for this tomorrow. This was at Bandar Puteri Puchong branch. I Rentas'ed transfer my money out any way. The RM says he will come see me in my office if I decide to take up that offer.

I can only see 4% FD but with a 1:1 in CASA. Didn't ask if there was any current FD promos. Maybe will ask when he calls tomorrow.

The CGB, one is with Genting Capital Bhd which gives out the higher interest. The slightly lower one is with CIMB but I forgot which subsidiary or division. Will know more tomorrow. Just note, the bond has a minimum 6 figure requirement

This interest me because I'm not a fan of lock in period which doesn't give me liquidity flexibility.

It is guaranteed. I'll never blindly sign documents anyway. If it isn't, I won't go for it. Sometimes they also fed up that I sit there and read and read and read all the documents they ask me to sign ... Zzzzzzzz

Thanks for the tips. Will be looking at it closely to see what are the drawbacks to it. If both capital and return isn't guaranteed, which I am pretty sure was what the RM mentioned, I shan't be taking up that offer. I have enough in my portfolio that already carry risks that comes with equity.

This FD thread is more for secured returned. Will return with updates when he calls me tomorrow.

Maybank

They also have 4 mths 4% and 10 months 4.17% ... just FD.

Not too sure, I'm getting my RM to email me the forms. Will text her to find out.

I didn't ask, although my RM is from PW division.

Sadly, my RM just only updated me this morning to confirm that as well. So, I said .... NO GO .... Time to find another. The 5+5 still ongoing ... so, 5 months for 4% and if roll over for another 5 mths, effective 4.17% is at the moment is the better choice for me. Closest I see is 6 months 4% for short term. So, if I decide to withdraw after the 5th month at MBB, 4% is quite good already.