Just some tips on Cash Deposit Machine:

When you insert cash in the machine and it keep rejecting the notes that you replaces ( normaly happen to new notes )    please dont keep inserting the cash because these CDM machines have timing, if a transaction cant be fulfiled within certain amount of times, by defaults it will force accept your cash and the cash you failed to bank in will go the rejected notes bin.

The next thing you see is that the CDM will come out this message " OUT OF SERVICE ". The person queing behind you will start cursing you. Why i say this is that customer have complaint why the CDM do this and that, scolding us with all the #&^&*# and when we go and check the journal report we can see this customer was trying to insert the notes for more than 5 times which the machines unable to recognise it and it will kick start this step by force the cash into the reject bin.

However different banks setup their machines differently it depends on how sensitive they set it. From what i experience HSBC & MBB had it.

yea, stupid machines

For card issuers which I maintain SACA with, I use its SACA to settle.
For card issuers which I don't maintain SACA with, I choose IBG via Basic Savings Account, or cheque deposit (if I happen to pass by its branch).

What is SACA?

savings account current accounts

CASA is the term used actually 

i pay off using online interbank fund transfer.. what i think it is more cost effective than go bank to pay off toll fee, petrol add up is more than RM1 / RM2 bank service charge (if bank neaby nvm la.. but CC company is far from my place and need to passby toll )

actually current and saving account, got any difference?

Current Account also known as Checking Account/Chequing Account. This kind of account comes with cheque book facility whereas Savings Account doesn't.

oo. ok ok.
So current account can have cheque book while saving account can have ATM card

Both accounts can have ATM card unless specified otherwise. Just that Current Account comes with an extra feature which is the cheque book facility.

like that u r using IBG Giro, RM0.50 charges

no leh... Hong Leong Bank charge me RM1 each transaction for my citibank CC payment >.< but i know if transfer from Eon Bank to another bank is RM0.50 

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Added on April 13, 2011, 5:00 pmfor the saving and current account >.< my saving and current account share one debit master card and my current account can opt for not having cheque current account can have Overdraft (OD) but with interest charge, for saving no OD services. 

OD here is writing cheque which over ur account balance?

overdraft is using more than the $$ u deposited inside the current account (eg. u have RM500 in ur current, u need to pay ppl RM800, u can get OD from the bank of RM300 and repay back with interest charges), it need to apply if not mistaken (p/s other sifu correct me if wrong coz i never use OD just know got this feature )

added one more thing normally current account has no interest but saving does. however there are some special current account offer interest too eg. Alliance Bank Hybrid Account (a current account with interest paid on ur balance monthly)