Any special FD promotion for that day?

3.85% is after 85:15.

Majority adopt auto renew.
Autorenew - get board rate, which normally lousy rate.
No auto renew - deposit in saving ac, many have no interest rate or very low rate, something like 0.x% only.

You don't get any favour either side, and already at losing side when didn't perform anything when the FD matured.
The key is to do perform withdraw when fd mature and to park the money into higher rate deposit ac or FD.

efd operates 365, holiday or not is not an issue, efd can be placed and withdrawn on holiday also.

OTC- Can introduce or persuade you to buy unit trust and insurance product.

Online - placed, log out.

Money won't gone in thin air.

Once I withdrew cash from ATM, money deducted, but no cash coming out. That time also feel anxious, the bank officer said, don't need to worry, once they open the machine and count the cash, they will know the excess cash, and they have log file to identify. I just need to make a report, how much, which machine and time. Eventually, the money was credited back 2 days afterwards.

For FPX
Debiting bank -> paynet (FPX) -> Receiving bank or eFD.

In your case, you have successful debiting, and go thru paynet, but since you closed the window of receiving bank, the likelyhood the money is stuck at FPX gateway and can't go into receiving bank to complete the transaction.
Every transaction has its log, the only matter is where the unsuccessful transaction is stuck at.
Every FPX has its own transaction ID number.
Money will be refunded back to origin debiting account if transaction fail to complete. Giro also the same.

Only if you are interested in those other products.
May not worthwhile if merely chase for 0.x% more by investing into other products.
Some bancassurance are very long term commitment, while unit trust has sales charge, and capital is not guaranteed, it may profit also can loss.

Online E-fd does send notification to apps and email for transaction made for FD placement, uplift or Duitnow, which is a good feature.

1 Feb is Federal Territory holiday which is on Sunday, replacement holiday on Monday 2 Feb, 3 Fed is the first working day.

Some banks tune the FD maturity that always on working days but this is normally for OTC FD.