Impressed that you seek advice and managed to save 10k in one year. As to the question of best bank FDs for now - this depends how long you are willing to stay put, your age and health risks, and how you budget your future cash flow. When considering the best, it is also good to understand exactly what you would consider as bad and why in a bank FD and operation wise. Balance is essential and finding/knowing the negative side and how to avoid/overcome them is the most important thing about managing FD. Start by eliminating the most atrocious banks and deals which may be attractively presented to overcome the hidden costs or misguidance.

The physical location of the particular bank branch itself and the presence of the other competitive banks nearby may be important for survey comparison, last minute confirmation of changes,  negotiation and convenience of bank cheque and cash transfers within a short time. This depends whether there are such banking areas in your town. Some people remain stuck at one bank because of original mistakes in choice of bank branch location as they feel too much trouble to move for some gain.

If you already can transfer money thru an ATM card, internet banking or thru smartphone app from your existing bank account, you can chose to open a bank account first, and then transfer the money in thru IBG (11 sen) or IBFT (53 sen).

If you do not wish to open a bank account besides the FD account, you need to bring cash, personal cheque (RM 0.53 deducted from acct) or bank cheque (fee depends on particular bank - but at least RM 2.53).

However, you must open a bank account if you wish to take advantage of the following:-
1) Payment of interest monthly, principal or final amount into your bank account from your FD account.
2) Keeping track of your money in your bank account with setting up of internet banking service or thru app instead of regular visits to update passbook.
3) Transferring out money to other bank account (my Bank Rakyat branch stopped issue of bank cheques and only do OTC bank transfers - free for oldies) on your own as you find the ideal FD promo choice later.

To save annual fees, some people opt for basic savings account. However, some people pick savings that have high interest rates and monthly rests. Choice depends how you intend to manage your cashflow and how you want to use the bank account.