Is there a minimum amount?

Talking about AmBank, this made me really "treasure" the 2/3/5 years FD promo with AmBank at 4.6/4.5/4.55% rates that were still running.  Last one till Oct 2020 !

I understand when you say you are "tired".    I too moved it to 3 yrs but into fixed income bond funds.    Really tiring after several years hunting for FD. Haha.

SOME FOLKS ARE NOT READY FOR FD PROMO AND STUCK IN RUT

Some folks do not know about FD promos. Some trust the normal board quotes mentioned by bank and blog websites, bank staff,  financial writere and posters as if they are the best. Some just continue their normal FD or ask for better nego rates as they used to do for many years. These are the kind of mistakes I regetably made before started FD deal hunting seriously to increase fund inflow. I hope my children will be financially educated in practical issues to not do the silly things I did before.

Some folks have the idea that the nego rate is better. Like say 2.9 % become 2.95 %.
Or say eFD promo 3.9 % but missing TIA-i promo 4.05 % p0m3 or 4.1 % p0m6
Like it is said - Ignorance is Bliss. But certainly just great for the bank but not the customer.

Some folks think promos usually at 10k minimum requirement, but then the TIA-i  minimum is just 2k.

Some have excuses like don't know how to use internet banking, don' trust, don't want to learn or too much bother to change up.
There are no lack of excuses for poor people to remain poor. Or people not doing better. It is part of their learning environment/culture, risk, earning, providence, laidback mentality that needs to be changed before we can even talk about financial literacy and provision They could have more but they behave in a way that make them not get more!

There are people going to give talks and running campaign or even one-to-one, but seriously do they really  understand the psychologicall and cultural worldviews of those they are trying to reach. It is not just a matter of greed, kiasu or risk appetite.

I believe if more people will change to look for best FD promos or go beyond PIDM, there probably would be a significant shift away from cheap money at board rates for the bank (affected by OPR), toward more competitive and increasing promo rate which depends on the bank's needs or growth plans.