recently called UOB enquire on FD.
half way through the officer start to promote stash acc pulak, claiming no lock in period.
with some many terms and conditions. I would rather give it a pass.

they have worked out the effective rate for u, 4% highest


the other one based on incremental average balance
example: if the promotion period lasts from May to July 2023
you deposit all in May, withdraw almost all in June, then deposit again in July
then you get 5% in May and July, not June

if you deposit in May and keep the same balance throughout, you don't get 5% in June/July, unless u have fresh fund coming in
then again, only the incremental amount be eligible for 5%
your existing balance in current month won't be qualified for 5% in subsequent month