sorry ah... why without concern of fresh fund?
the t&c stated is fresh fund, correct?

the placement for promo rates can be done online too?

As I know, Mach promotion FD 4.5% for 6 months does not include any mention of "fresh fund".
The promotional FD 4.5% at HLB branch over the counter does include the criteria of fresh fund.

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When HLB 4.5% pa for 6 month promo first start at around mid December 2015, it was reported by forummers here that placement to HLB MACH FD accounts required to be done by cheques and not online. Explaination given by bank staff is because of this "fresh fund" thingly requirement.

Early January, one of the forummer point out that placement via online for HLB MACH FD a/c is available online. Maybe HLB had done away this fresh fund requirement. Or maybe not.

In the placement screen, HLB clearly mention in order to be eligible for the promo 4.5%, the customer total promo FD should not exceed 5M etc. Highlighted in bold and underlined and properly mentioned etc. Somehow, they did not mentioned about the placement need fresh fund along with the 5M restriction in the placement screen.

Noted that there is a T&C on this Mach FD promotion. Thanks for pointing it out.