AMbank.

AM50plus term deposit-i (60 months 4.35%pa monthly interest >>CASA)
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efd?

Probably, within the next 4 to 6 months time, our FD will be 0%.

If i were you,.. I would just put into sspn instead of hunting or parking at the banks locking your money while waiting for opr to rise.

If i am over 60 or have trustable parents who are over 60,... I would park in kwsp first before sspn.

If you only have conventional FD account with PBB, you can open Islamic FD account online and enjoy the promotional rates !

I am trying to open one.

But i don't understand these questions.

1. Are you a Non-U.S. Foreign Tax resident?      Yes  No
    2. Do you have Non-U.S. foreign residential/mailing address (including a P.O. box address in a Non-U.S. foreign country)?      Yes  No
    3. Do you have Non-U.S. foreign telephone number and do not have any Malaysian telephone number?      Yes  No
    4. Do you have any standing instruction to transfer funds to account maintained in Non-U.S. foreign country?      Yes  No
    5. Do you have any power of attorney or signatory granted to a person with an address in Non-U.S. foreign country?      Yes  No
    6. Do you have hold mail address/in-care-of address in Non-U.S. foreign country which is the sole address?
I assume it should be "No" for all, right?

Also, do i need to transfer money into my savings first? Because it ask from where the money is coming from. It is not taking FPX from other banks?

Huh ? OTC Upliftment is not possible for eFD？ Learned something new！

So far I only know that Online Upliftment is not allowed for OTC Placement.

Hah hah gimmick by banks. Not many people understand effective rate. Sometimes people see wah so high and they will put into this bundle. Sometimes, the bundle can be worse off then the normal fd effective rate wise.

HLB eFD promotional rate, 21 September 2022-31 October 2022
3 months 2.75% p.a
6 months 3.05% p.a
12 months 3.25% p.a
18 moths 3.50% p.a

https://www.hlb.com.my/en/personal-banking/...fd-i-promo.html

it possibly implies PBB is quite sure OPR rates will go up by at least another 50bps in the near future.
affin 3.83% 18m, 3.40% 24m wud indicate they think rates will peak and then decline in 18-24 months time.

current consenus is BNM will raise 25bps in Jan, Mar, then stop.
assumption is USA continues to hike another 2-3 times, total 75bps:

Both. Edited and updated.
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MBSB can do online? 4% 6mths?