Hello everyone, so i did some research, even went to some banks , below a couple of interesting facts, all information is applicable and updated on march 2015:
UBS: there is not a Fixed Term deposit as such offered, the only option available is a 5 year deposit, during the 1st year no interest is due
after the second year the interest will be calculated based on market trends.
Kantonal Bank: not fixed term deposit available for "small" customers. Savings account offers 0.02% annual interest. Withdraws of CHF 50k during the year is possible, any withdraw over the CHF 50k is not possible unless a 1 year notice is served.
Credit Suisse: no fixed term deposit offered for amounts below CHF 1m. Bon Viva offers up to 0.75% annual interest with a monhtly fee of CHF 80 and 6 month notice period to either withdraw or close the account. 50% discount on monhtly fees during the 1s year.
... not very promising indeed, Credit Suisse seems to be the better option even with the fees involved!