no free gift wor....but i did not ask for it.... :-)

Yes i got 3 kids
i like to go to the branch because no need to wait. After press for the ticket number, wait for 1-2 minutes, then "ting tong", My turn :-)

YES。put in your money into the FD 4.18% (12 months) and 20% into Junior savings Account (earmarked for 4 months). You will get those rate. Good question, normally junior savings account doesn't come with ATM card, encourage you to SAVE rather than Withdraw. I just checked from Hong Leong Connect, can't do transfer FROM the Junior Saving Account too. That means we can only go to the branch/counter to withdraw.....

let me call in to Hong leong to find out first....

Talked to the customer service just now, since i have my basic saving account (with Debit card), i just need to visit their branch to link all the junior savings accounts with the debit card, then only i can withdraw the money from JUNIOR SAVINGS ACCOUNT at ATM machine by using the debit card. After linked with the junior savings account, then we can perform online transfer FROM Junior savings account to any other account....
One more thing, the customer service said we can actually apply a debit card for the junior saving account, if we want....But RM 8 per year :-)

Not sure. Most likely cannot becoz they are asking for child birth cert to prove the relationship.

UOB

Yes and 3.65% for 9 mths.

You are right. Just hope that the rate wouldn't be lower down over the next 4 months

This is not bad. But my mind is already set with the HL 4.18% package

Hope there is new FD promotion from Affin bank.....all banks are offering higher FD rate as for now and Affin Bank, being one of the Bank with overall better FD rate, should have something that's eyes catching....

Anyone here goes for the KFH 3.88% p.a. for 6/9/12 months? If you deposit the upfront interest paid to another FD, the effective rate would be more than 4% i think....

3k??? Any bank is fine as the amount of interest would not be big different in view of the principle amount.....sorry. no offence. If you are from KL, suggest Hong Leong MACH 4% p.a, or RHB, 3.88%p.a.

MY CIMB short-term FD is due tomorrow (RM 20k only). I plan to put it in BR for 3 months @3.65%p.a. as well to see how good the service from BR. It is close to my office areas. Me too also waiting for the KLSE correction during the 13th election, already marked a few fundamentally good shares. Will park my Child's FD in it for dividend and capital appreciation (around 10 years). Now the money is in PB Wise account....less than RM 30k.

KFH, PIDM, 6 months @ 3.88%, dividend paid upfront.

different people may have different mind set, just like earlier post, someone is comfortable with BR for years with 4% ++ interest (plus lots of free gifts, voucher, free dinner, etc) without any problem....while the other group may be a bit more conservative, prefers commercial bank under PIDM.

For me, i will try my first banking experience with BR next week on the 3-mth FD @ 3.65% with a small amount.....see how it goes !

called BR this morning:

me: is your bank open for lunch time today?
BR: Sir, We close during lunch time on Friday. From 12.45-2.30pm. What can i help?
me: i want to place RM 20k, 3-month FD with BR. What's the rate?
BR: Sir, it is 3.65% p.a.
me: Do i need to open any saving account for the FD?
BR: Unless you are putting more than 6 months, then you need a saving account for monthly interest crediting.
me: Is there any free gift given ?
BR: errr....the gift we have now is only suitable for kids. Sir, do you have kids?
me: Yes, i have three kids.
BR: O then we can give you school bags.
me: Will i get the FD cert, on the spot?
BR: If you are using cash or banker's check, you can get the cert on the spot. But is you are using personal check, then you can only collect the cert after the check cleared in two days time.
me: The rate negotiable?
BR: Sir, for 20k and 3-month, we can only give 3.65%.
me: Ok, i will visit your bank before 12.45pm for the FD placement.
BR: Thank you.

ocbc have some terms and conditions, which is complicated for me....and the branch location is not that convenient as well.

agreed that Affin bank's service is good....i'm 30++ but managed to opened an Affin Gold-i account
i get my mother-in-law to open the account jointly. You can chose either SAVING OR CURRENT type of account. I chosen current type with check book but still enjoying the high interest