Should I switch to OCBC 360

Can consider cimb with no salary crediting

First thing : No Salary Crediting, so those options like DBS Multiplier, OCBC 360, UOB One, can be excluded from your consideration.

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This is also with the assumption that you are age 26 and above.

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Next, you might want to consider the following bank accounts (albeit digital ones) for your case.

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1. CIMB FastSaver @ 3.5% pa promotional rate (till 31/10/2023, min $10k deposit for the duration),1.5% pa (first $25,000 thereafter, after 31/10/2023)
2. MariBank (SeaMoney) @ 2.88% pa (till 31/12/2023, not specified but with SDIC limit of up to $75,000), 2.5% pa thereafter
3. Trust Bank @ 1.5% pa (first $125,000, take the debit card for starters promo vouchers, can pm me for referral codes if you need 1).

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CIMB FastSaver - https://www.cimb.com.sg/en/personal/banking-wit...

CIMB FastSaver (Oct 2023 Promotion T&Cs) - https://www.cimb.com.sg/content/dam/cimbsg/pers...

MariBank (SeaMoney) - https://www.maribank.sg/

Trust Bank - https://trustbank.sg/savings-account/#calculato...

No point focusing on local banks.

Get standard Chartered Jumpstart account, for the 1% cashback.

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For emergency cash, park it at GXS or SingLife. Since there are no terms and conditions

No use since there is no salary crediting.