Today uplifted all  my MBB GIA FDs prematuredly, IBFT to BR for its promo FD 4.38% pa x 12month, monthly interest.

and got a pen, not bad.

Not many people know about Bank Rakyat (BR), Affin Bank, Kuwait Finance House(KFH not KFC ), Bangkok Bank or MBSB as places for FD. More like Huh? What?
Is it safe? Not so established? Inconvenient few branches? Where, not here? Any funny inconvenient procedures?
As a result, their FD promos were not exactly hot cakes because of the above even when they have promos head and shoulders above the rest.

Opening savings account in Bank Rakyat with ATM card/internet access could be done first or together when placing new FD account with say 5k minimum in cash for monthly interest payment. Not sure if all branches follow the rule of issuing FD cert after banker's cheque or personal cheque is cleared. Usually use IBFT transfers after having SA - no problem.

For info, Affin Bank usually offers the best board FD rates and is the benchmark for comparison for board and promo rates.
Best monthly interest paying is almost always Bank Rakyat but it dips sometimes when the other banks try to get funds.