Maybank's eFD's interest is deposited monthly. but Affin's interest is given one lump sum to you during maturity.

of coz there's penalty for Maybank eFD,
"New Premature- After 2 months, interest shall be half the campaign rate for the completed number of days until premature withdrawal."
u can split your FD to a few certs (5 x 10k certs) for 50k, if u think u might need to withdraw it before maturity.

You can check out their Terms and Conditions. It contain an example of Premature Uplift and how the calculation is being done. Refer to Table 2: Premature Withdrawal (Upon completion of 6 months & 10 days)

http://www.maybank2u.com.my/WebBank/efdFlexi070616_tnc.pdf

Then again it is not advisable to do so since you will only get 3.4% (first 6 months). If you are going to uplift earlier, might as well consider placing your fund in maybank's GIA-i, which is 4% and you can uplift whenever you want or even the next day and still get 4%. But do take note that maybank's GIA-i is not eligible for PIDM protection.