Yes exactly. Most ppl just look at the rates and claim this is better than that without looking at the terms and conditions. Even HSBC has got the foreign currency promo for 8%+ plus when u look at the T&C its really bad and will result in losses for the investor.

So dont blindly quote anything. If anybody wants to post FD rates then please include the main T&C as well.

ambank islamic or ambank ?

can I know if i want put FD in affin bank do i need to open saving account? or i direct take banker's cheque and apply FD?
for Ambank i dont need to open any saving account then i can apply FD 

open a junior flexi FD yesterday. Very bad and slow service. Waited for half hour and another half hour opening account. Why cant they let the customer service counter help to process the application of account to shorten the queuing time. Very unproductive way of work processing. Logical work scheduling is parallel processing or divide up the processing jobs to free up counter staff work load.

Another bad point is HL bank staff does not know their own products well. One said need the junior to be around to open junior FD, one said 55 yrs old or above for senior flexi FD, the fact is no need presence of junior and 50 yrs old can open senior account.

Senior flexi FD is 3.8% per year but you must open a current account

This 3.8% pa from HLB is available for everybody.

The minimum placement is Ringgit 10 thousand

Here is the info:
http://www.hlb.com.my/promo/pfs/dep_flexiF..._en.pdf?s=promo

This 5% interest will pay on daily basis. Not monthly basis.

If you put RM 3000 for 45 days, you will be paid 45 days interest.

But I think we will not get 5% interest after 31 December 2011, even if our funds are still in
Standard & chartered after 31 December 2011.

This 5% promo rate is valid from 1 October to 31 December 2011 only.

I guess this is the best deal after Citibank which used to offer 5.75% for
3 months term few months back.

Those of you who wants to open new savings account with SCB to enjoy 5% interest better do immediately as I was told SCB had reached the targeted deposit amount.

Better you check again, I was told for the Super Salary account, you have to top up RM1K in November and December to get the 5% interest rate. If your salary is deposited into the account, then not a problem I guess.