Just replying you, though maybe considered off topic by thread owner Ah Siang as it is NOT FD FACTS, but sharing how to work around things in bank transfers and FD operations.

I assume you are familiar with Maybank M2u top transfer limit is only 30k to accounts outside Maybank. Say you have 210k in eGIA-i but at 7 placements of 30k each. You can uplift 30k with interest to each of the 7 accounts for IBFT out a total of 210k. Alternatively, if not already set-up like this, you need to uplift whatever into one of the accounts, and then use Own accounts transfer to shift 30 k into the various accounts (unlimited amount between Own Linked accounts). This method is adequate for most of us.

You can do it even cheaper using IBG if can get up to do it. IBG before 5 am - arrive by 11am. IBG 5-8 am - arrive by 2 pm.

Maybank introduced and promoted many different type of accounts, and I was attracted to open quite a number over many years. Later I realised that each of those accounts could be used for IBFT transfers whenever it was confirmed by the bank that the FD can be placed.

If you can arrange authorisation method, you can even have the bank place the FD for you to sign the forms and collect the cert later. (I am not sure the bank managers will layan just anybody so don't complain). For Bank Rakyat Xclusive member, they have a pickup service for FD.

For higher amounts beyond the number of accounts, or in cases not sure whether you can get the FD placement, the money is collected into the Maybank Islamic Premium Mudarabah Acct (PMA) which is  currently best Islamic hibah (interest) statement account with cheque book. Go to the banks of your choice and simply write whatever appropriate amounts in personal cheque. No hassle over bank cheque. Any late clearing over weekend or holidays, you get extra daily hibah interest from your PMA account.
For 12 months - Friday effective date usually 2  more interest days for FD part plus 2 hibah interest while waiting for clearance. Monday to Thursday - usually normal 365 FD days only unless mature on holiday.

Transferring from other bank to Maybank, you need to have a presigned standing bank instructions to uplift into your current or savings account for them to transfer to your Maybank PMA account.  There is a small charge for doing each instruction each time but much cheaper and easier than going there just to do OTC. You can then place these in 30k lots or other amount in the eGIA-i.

Hope this is clear enough.

unlike fd, the rate is neither specified nor promised during placement. so, there is nothing to stop the bank from reducing the rate if they want to.