Thanks for the reply. Actually what's debit cards are for?

Only two types on savings account offered by RHB Bank are worth considering namely MaxSave and Basic Savings Account. My reason being these two accounts offered the highest interest rate of all the savings account in RHB Bank.

You can see the interest rate below :
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Should you decide to open the Basic Savings Account, i strongly suggest you to choose Option I which has no ATM card annual fee. I am now using this account with no ATM card annual fee and the interest rate is awesome 

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No. If you choose Basic Savings Account Option I, you will still be given an ATM card. Just that you can only withdraw money from any RHB Bank ATM eight times a month and from the 9th withdrawal onward you will be charged RM1 each time.

If you are going to spam their ATM a lot each month then yes, you should open Basic Savings Account Option II because for this account there is an annual fee of RM8 for your ATM card and you are allowed to withdraw for cash as many times as you'd like.