Yalah, it is based on tiers    Didn't even notice it until you mentioned it. Thanks for the info. Good that I took the pic and posted in here and you pointed it out that it is based on tiers. If I did not post the photo and you did not share your findings, boy, a lot of people will be mad at me for wasting their time going to RHB because I stated "RHB giving up to 4.2% for 15 months".

That is so true !

Bro, you mind to elaborate? Give lah example.

newbie but making a statement instead of making an inquiry? 
Highly misleading - U by any chance a sales agent? 

if newbie then be careful of what you say, many sifus here will shoot you down!

Any insurance is long term commitment, some life-time commitment (like those whole life one)

Please always ensure one understand what is about, as it is long term commitment.
Premature cancellation can mean loss significant of the premium.

If insurance beat FD by miles, you won't see people put in FD already.

just opened the SCB eSaver to take advantage of the 5% p.a. Offer. The food at Puchong branch is so-so only.

as long as you don't touch money deposited within Oct to Dec, you will get 5% similar to FD.
The ATM debit card is OPTIONAL.

SCB Puchong branch wont take big cash deposit, as lack of security. All SCB will open every Sat for these promo.

If you bank in a 3K cheque on 1/10/11 and gets credited on 4/10/11 (keep constant for 1 month) your ADB is technically <3K and not eligible for "bonus" interest. This is a very important point to consider.

I believe this does not APPLY to accounts opened between 1-Oct and 31-Oct.
Only for existing accounts opened before 1-Oct 2011.

For existing customers it should work like this: CASA incl. all savings & current accounts (esaver and super salary included). They don't want you to shift funds from existing CASA to promo accounts. If you shift it will have incremental ADB for promo but not CASA (no increase). If you put new funds in promo while existing CASA remain you will see same incremental in both. Go figure, it took me some time to understand.

so true. their description is so confusing.

7.2  To be eligible for Bonus Payments in any month of the Bonus Period:
 
(a)  an Existing Customer must have an Incremental ADB in that Promotion Account of at least RM3,000 during the Promotion Period. Customers who do not satisfy that minimum incremental criteria will not be eligible for any Bonus Payments in that account even if they achieve a higher Incremental ADB in later months; and
(b)  the overall Incremental ADB in that Existing Customer's CASA Accounts in that month must be equal to or more than the Incremental ADB in their Promotion Account in that month.

Looks like the holder needs to top up NOT just their esaver account but their OTHER CASA (current a/c/savings a/c) accounts too. So in total, minimum top up (assuming on 1 Oct) is 6000??

for child edu saving, is it better to save the money in FD for 10 years or better to put in those insurance saving plan for JR?