It would be the same total whether you put 50 coins in term deposit on each computer, or send 50 to the other computer and deposit 100.  Same thing.

But the time code is blocks, not days.  If you send 10.00001089 (the 89 has to be in the hodortoshi decimal place) it will only lock the coins for 10 blocks x 154 seconds.  There is no bonus for term deposits unless you go over 1 week, 1 month, or 1 year.  A term deposit for less than 1 week would give the same interest as just leaving the coins in your wallet.