If less than $15,000, then Cimb, as maxigain have a daily average of $15,000 to avoid the charges..
If more than $15,000.. place $15,000 in maxigain while the rest in cimb.. once maxigain gains 2 counters, the approximate interest earned would more slightly more than 1% (0.2 + 0.8*1 % sibor), current sibor rate is slightly above 1% iirc..
However do note that the lower balance of money in maxigain compared to previous month will cause a drop of counters (interests %), whereas cimb enjoys 1% fuss free till $50,000
1Mth SIBOR is 1.33% now. So even at the 0 counter, MaxiGain is better.