Then add RM10 or RM100 cash , settle  . According to definition CASH is new fund.

wah worth it boh?

Pay parking , fuel and 1 hour every month to deposit .... Unless it's a very large amount but for fewty thousand ringgit, might not be worth it IMHO.

Open esaver a/c on 1/10/11 Saturday and deposit a cheque but in the online statement it is recorded as 3/10/11 transaction.
If what you say is true, just get a bank draft from other bank a/c @rm2 and deposit it in SCB anytime of the day. It is cheaper than the rm9 RENTAS fee which can only be done b4 noon(I actually wasted one day to do RENTAS the next morning).
The RENTAS way is better if SCB counted the interest from chq clearance.
Need to check with the manager this Sat. all these issues.Hopefully he knows better then his staffs. Different people gives diff info.

Then add RM10 or RM100 cash , settle  . According to definition CASH is new fund.

according to some members here this is acceptable to HLB. Last month 30th, when my FD mature in UOB, I tried the same approach by topping up. The counter said no, need fresh fund. Luckily UOB rejected me because I withdraw and deposit it into Std Chartered on 1 Oct - getting much better rate than UOB.

The above policy applies to exiting customers only.
Existing customers will get 5% interest on each month top up of each single deposit only, not
flat 5% rate for 3 months of total deposits.

For example, exiting customer A makes a deposit for 3K in October, then a 5% rate for 3K will pay to existing customer A.
Then, existing customer A makes another deposit for 4K in November, a 5% rate for 4K will be paid; but the 3K deposit made in
October previously will not get 5%.

For new customers, they can make deposits anytime (or top up) during October only.
New customers will get flat 5% interest rate for 3 months from October to
end of December 2011.

Interest will calculate on daily basis.

if I wanna open this eSaver account but I do not have any existing account with SCB, how do I transfer my fund from MBB via GIRO?

Go to MBB branch or use Maybank2u.com to perform the GIRO at RM2 per transaction (there's a limit amount per day)

I know but the thing is there is no account no. as I don't even have an account with SCB

Here's a thought, open 2 joint accounts. First account, you as the principal and  second account your wife as the principal. Withdraw cash from 1st account and deposit into another 2nd account.

I'm wondering is there any penalty charges if close the account after getting the 5% and the end of the 3rd month?

You go over to SCB to create the eSaver account first.
They allow creation w/o initial deposit. Just state that you will GIRO the amount from another bank.
If they don't allow, put in RM10 as initial deposit lah 

if I wanna open this eSaver account but I do not have any existing account with SCB, how do I transfer my fund from MBB via GIRO?

I'm wondering is there any penalty charges if close the account after getting the 5% and the end of the 3rd month?

Haha.. I was about to say the same thing but for different kind of trick for SCB e$aver account. It's not just a thought, it's actually workable if one wish to deposit more than the e$aver's RM500K limit per account with join name condition. (For big amount, better open join name account)

I think GIRO would take 2 days. For every rm10000, u earned rm2.74 less interest.
If you are a new customer, better to open the account with a cheque or Draft which is considered as same day deposit, and it costs less.

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Added on October 8, 2011, 7:00 am
I think a better choice would be:
Go to MBB and buy a draft with your funds, I think it costs rm2.
Go to SCB, open the account and deposit with your MBB draft.
Your deposit should be considered as same day deposit.

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Added on October 8, 2011, 7:03 am

Just leave a small amt in your account and closed it after 3 months.

Why must deposit on the same day in order to get 5%? I thought as long as my eSaver has the RM3000 balance in Oct I'll entitle to the 5% ?

I think GIRO would take 2 days. For every rm10000, u earned rm2.74 less interest.
If you are a new customer, better to open the account with a cheque or Draft which is considered as same day deposit, and it costs less.

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Added on October 8, 2011, 7:00 am
I think a better choice would be:
Go to MBB and buy a draft with your funds, I think it costs rm2.
Go to SCB, open the account and deposit with your MBB draft.
Your deposit should be considered as same day deposit.

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Added on October 8, 2011, 7:03 am

Just leave a small amt in your account and closed it after 3 months.