UOB: 3.5% for 3 months
Bank Rakyat: 3.65% for 3 months
OCBC: Effective rate 3.96% for 3 months

Anybody knows any other banks offer the competitive FD rates
for 3 months except the above 3 banks?

Account closure of SmartSavers has free Cashier's Order/Bank Draft too.

nah i guess it too troublesome and time wasting - i will just leave enough money to maintain the SS and move the rest to MACH HL for 4%.

If you move funds out of SmartSavers, you would get 0.5% for the whole month, right ?

Probably migrated to Australia. His few last blog post mentioned how he enjoyed the lifestyle of Australia.

yes - the account will only be left with minimum amount (RM50?) to maintain it for future promo at OCBC.

If I am not mistaken, minimum is RM 20 to maintain the Smart Saver account

Thanks - will update once i settled mine

Nobody interested in AmBank promo? 3.8% for 6 months FD, 20% in CASA.
I opened last Friday, not bad since I have junior account there.
Happy CNY!

Isn't this Ambank FD promo is not longer available since 26 January 2013?

http://www.ambankgroup.com/en/Promotions/D...eposit2013.aspx

this one another promo, not in website, I saw it from newspaper.

I already open one last Friday 3.8% 6mth.. not bad

Did you calculate what would be the FD effective rate after 20% in CASA?

OCBC Ampang branch only needs minimum of RM 20 to maintain a Smart Saver account; but
OCBC Cheras branch needs minimum of RM 50 to maintain a Smart Saver account.

It seems OCBC does not have a standard minimum for Smart Saver account?

i think cheras branch has made a mistake. only RM 20 need to be maintained.
Or u can do a simple test. jus try to transfer the amount in Smart saver to your current/saving account while maintaining RM20. u will know when the system prompt transaction is not successful..

if u know how to play ard with the FD and smart saver from OCBC, then you can get at least 4% of interest in your FD every month !
I would say thats the highest in a month among all banks.

Really wonder what happens to our captain. His last activity based on lowyat is on 1st January. To Australia again ? What happens ?

I think the teller in Cheras branch made a mistake too...

Cheras branch system showed the minimum amount RM 20 in Ampang branch had no problem.

Withdraw Smart Saver from a branch and re-deposit to another branch's Smart Saver to
continue the 2.9%?

Most important is to maintain the FD rate, not on the smart saver.
Anyhow I like smart saver as it auto transfers certain fund from ur current acc n stop you from using excess money

Can you please share how did you do it specifically? Tq
FD rate is fixed and there is nothing much need to maintain. The only way is closed SS and reopen?