Simple. If all use efd, they cannot promote their products. Neither can they encourage people to sign up for PB. Remember banks are all able meeting target. Imagine how much commission they will lose if no one want to sign up for their products.

Which one do you want then?

I have upflit my recent fd and add rm100 to make  a new fd for conventional efd. I get the promo rate o.

u just use efd. use conventional, choose 1 year, interest credit to account and place the fd and confirm. then u check again u will see 3.4 percent rate with yellow color signal besides and u point it and u will know the rate entitled.

If you sum up the % for each month and then divide by 12, u get 4.31%/month average. Basically they want to lock down your money for first 6 months and only award the high interest at the final.