In conclusion, I must say that if not for the fact I 'yeow-kwee' the 5%, I won't bank with OCBC after my experience with them yesterday.  I still do no know who is my RM and none of the peope in the Premier Centre even bothered to come and help out or even say 'hello' despite me banking in more than the minimum to qualify for Premier status.  I am glad that I can take out my deposits in 3 months time and I am sorry for them that the only permanent deposit they are getting from me is the one I left in their 'atas' washroom!!

Slightly higher FD? If you get to earn buta money, yes it is worth it With just difference of 0.5% and minimum RM200K deposit, that's RM1K/year. Then again, you must be filthy rich and few thousands ringgit is nothing to you 

I also wear slippers and T-shirts to banks, hahaha. Actually, the older people who wears  "pagoda" t-shirt inside and an unbutton white shirt outside are rich people, and command the most respect from the banks 

There is one benefit of having Privilege Banking with certain banks where you do get very good rates for foreign exchange. Example, RHB, HSBC and UOB. For my case, besides the exchange rate, I just "yeow-kwee" their credit cards (UOB especially for free coffee and pastries at Orchard Road but OCBC CC useless) and coffee Most PB centers have very few tellers/cashier, during peak time, I would go take a cup of coffee from there and proceed to general banking hall to do my transactions.

Maybe your location is not convenient for you to go to many banks, but for me, most of the banks are in easy reach, and maybe I got nothing better to do also, hahaha.

    And for your case, understandable lah, 1 month FD where got promo 
wah, overseas transfer with money changer, not traceable yah 
As for coffee, I don't really care the taste, addicted to it as great combination to go with my fags   Like I said, I even do my transactions at the general banking hall, haha As for service, you must get aeiou to recommend to you his pretty RMs  .

The other day i met this bunch of ppl, who are active into pledging FDs. But i also got to know these ppl have tons of loans (including housing) which are not paid off and the loans are much more than the FD sums. Wouldnt it be more prudent to park the moneys into the housing loans to enjoy the "savings"?

Anyone here who does the same care to enlighten me a bit?

No, he is freaking rich 

I think we can categories the people here as follows

Today the banks really crowded, luckily I got the new notes last week.

Click here to view my updated post on CNY Ang Pows 2012 where I have added Affin Bank, HSBC, Coach, Metrojaya, The Gardens Popular and several where children would just go WOW!

When do you think BNM is going to lower down the OPR?

I google and it seems our Deputy FM said it may by extended but there will be a transition period (whatever that's means).

Thanks Bro for the info. But now only can withdraw in full account 2 and not half at 50. Means they changing to half half?

Well, I guess if the retiree don't need the money, yah EFP dividends better anytime compared to FD rates. Also another plus point (can be a con too) if one dies, the money 100% goes to the nominated person(s).
that is what I am most worried, when I attain the age to withdraw my EPF savings, government impose this stupid policy, cannot burn my money to enjoy life.