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Which sweep in facility savings account is best in terms of no premature penalty, best interest rate, premium account and premium debit card benifits etc? I have considered IDFC, HDFC, SBI, Kotak 811, Indusind and find IDFC good to consider. What do you guys think about these banks?

Kindly suggest best FD account as of now in 2024 Following features should be there in it- 1. No premature penalty. 2. Highest interest rate. 3. Safety of the fund. 4. Easy and instant deposit and withdrawal. 5. No MAB or Low MAB required (in case of SB account is necessary for it)