The reason i seldom get involved in " which bank is better etc" is that, lots of misleading and false infos by sifu wanna bes...as far as i know, for OCBC u need only 3 days notice to withdraw extra prepayments that u had made...and only Rm10 per withdrawal, no limit per month, compared to seven days for HL bank and Public Banks Rm 50 per withrawal and only can do so once per month....information always changes, so its best to go to the banks yourself to find out, instead of believing the claims here...some may be other bankers giving inaccurate info, bestncheck yurself