Confirmed that effective date of HLB Islamic fd deposits, using personal cheques, is on day of placement, i.e 15 Feb to 15 Aug if you place for six months. They said they now do not need the cheque to float for two days for clearing. Also, there is no need to open any savings or current account to credit the interest on maturity. It's auto-renewed and rolled-over with interest on maturity at board rate. If you wish to uplift on maturity, they will issue Bankers cheque (RM2.50?) or IBG (RM2.50 also?) or Rentas (RM5.50) to your other banks' account if you do not have a savings or current account with them. You can uplift at any branch.