Asked PBB
fresh fund
3m 3.68
6m 3.88 (monthly interest auto credit by bank)

During GIA placement, before clicking confirm to complete the placement process, click back and you will have the option to credit the interest to the principal.

Magic 

Use the "Go Back"  beside the "Confirm" button.

I just received this new promo from RHB bank
12months - 4% - fresh fund

Just do it like below except instead of waiting a day, just use IBFT back.
Why wait few days? You can straight do it on the day itself. Waste few days interest. Learnt it from sifus. No banker tell me this. They told me not ethical. My foot not ethical. t's my money.   

Bank A - The bank which you want to put
1. Activate online banking
2. Set limit to RM30-RM50k (depending on banks)
3a. On the night before, perform a IBG to bank B (to save cost -RM0.11 only - money will arrive in bank B by 11am)
3b. Use IBFT to bank B (cost RM0.53 - money appear instantly)

Method 1
1. Go to Bank B ask for banker's cheque of RM20-30k pay to your name and IC
2. Pay few ringgit (depending on bank)
3. Bring banker's cheque back to bank A and tell them you want promo rate FD at x.x% rate.
4. Give them banker's cheque

Method 2
1. IBFT the money back to Bank A
2. Go to bank A and tell them you want promo rate FD at x.x% rate
3. Tell them fresh fund was just "transferred" from bank A.

Just to share my story.

I will say method 2 clearly it is a fund from another bank.
Sometime back over heard a uncle want to renew his FD but given a lower promo rate, he ask why not the fresh fund rate. The officer clearly said to him unless your fund from another Banks cheque only consider fresh fund.

As for my case I uplifted eFD (samebank)and transfer in additional fund/topup, the teller say its ok as for my case can consider fresh fund due to top up.

Definition might variable from person to person.

For auto renewal, the curent board rates will apply. To get promo rates, usually banks will require fresh funds or at least a top on the fd.

Their rates are displayed at the bank or you need to call up to ask.  I usually just let it run for one day and see how much the interest given is.

If u choose add to principal,after 1 month u get nothing except u choose add into account so that u can every month get interest
he was choose for add on to pricipal so he wont get interest monthly