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).

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 )

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

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

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. 

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)

I'm using DirectAccess Premier Plus Current Account which I don't have to maintain minimum balance.
P/s:DirectAccess is a division of CIMB. Premier Plus Account is strictly for DirectAccess cardmembers only.

Yes banks are like that haha... but different bank has different T&C, some bank will only charge if the account balance less than RM3k

Sorry I have to ask this really noob question. How much is the stamp charge to put on the envelop if want to pay the CC with a cheque and posting to them?

What's the cheapest way to pay these credit cards? I have a Savings/Current account at the same bank that issues all these 3 credit cards. My salary is bank-in to CIMB. My working area has CIMB and Maybank branches.
CIMB: ATM withdrawal, and pay cash
Maybank: ATM withdrawal from CIMB, pay cash at MBB
Standard Chartered: Write a cheque from CIMB and post to StanChart. There's a post office within walking distance from my office.

Another question. If I choose to receive cc statements electronically, then these banks will not send the statements to me. That means if I want to pay cheque, I will have to use my own envelop?

Why dun u use IBG instead.

IBG from CIMB account is RM2 right?

Open a Basic Savings Account then you are entitled to TWO Interbank Transfer with service charge RM0.50 per trxn. Quite useful actually.
Many people are not aware of this product, keep on feeding banks with RM8 ATM fee.

I think most if not all Basic SA/CA does not impose ATM Annual Fee.
When ppl ask me what account to open, I will advise them to open BSA. (provided he doesn't withdraw money more than 8 times a month)

See this.
[attachmentid=2186610]

ya, i know, but duno why, in actual, only 4 times 

Kindly refer to this thread > Interbank Funds Transfer (IBG)
Not entirely true. It depends on what time and which day you made the transfer out. If you transfer the money out before the bank's cut-off time (varies by banks ... it's either 11am, 11.30am or 12pm on a banking day), the money will be transferred out on the same day and depends on which bank is the receiver bank, the money may be made available by evening on the same day**. CIMB Bank usually will credit the money into your account on the same day by 4pm while AmBank after 6pm.

**this is different from the instant interbank funds transfer offered by CIMB Bank, EON Bank and Hong Leong Bank
Maybank Basic Savings Account comes with the option to pay RM8 ATM/debit card annual fee for unlimited ATM cash withdrawals or pay no annual fee but with only 8 free ATM cash withdrawals every month.
This is because your current Maybank savings account is not a basic savings account. And you will be charged RM2 for every IBG done.
This rule doesn't apply to Maybank Basic Savings/Current Account.