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.

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

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

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.

I already have acct with Affin. Then placed the 4.33% FD last month. No need to get any debit card. Even when I opened the SA, no card issued. For internet banking no need debit card to verify acct also (on ATM). 

U try to time the interest rate?