EPF has this self-contribution program and the limit is RM 60k for this year and need to fill up form 61A.

Last year there was no limit. On dec 31 2012, I deposited with my personal cheque and it was being captured as Dec contribution.
The EPF counter girl did mention RM60k limit per year but didnt mention RM5k limit per month.

Based on RM5k limit per month, it means a person
Start deposit in Jan and continue contribute every month, can contribute till RM60k.
Start deposit in Feb and continue contribute every month, can contribute till RM55k
Start deposit in Mar and continue contribute every month, can contribute till RM50k
......
Start deposit in Dec can only contribute up to RM 5k only. Then what is the logic of RM60k limit?

HAve you?, i have not, or are they not sending out this CNY?

FD for BR, effective FD date from the day you give them the cheque. You need SA if you want the interst monthly credit into SA, otherwise no SA also can, just get your interest at the branch when it's due. If you have 2 names for the FD, SA must also have the same 2 names.

yes

Both Left and Right eye

Once I opened a FD with OxBx on a Sunday, I think the effective date is also based on following day.

Didn't know AmBank open on CNY eve.

The closer I came across is HLISB.

3.8% for 12 month and 3.9% 15 months. http://www.hlisb.com.my/promo/deposit-i/index.htm

Yah, HLB pretty convenient because they consider CASH as "new fund" according to their T&C. So I guess withdraw your current FD in cash form

Other also consider cash as new fund.
Quite standard across.

Is this only valid in HL Islamic Bank, not HLB ? Good deal as I was looking at the UOB one same as Gen-X for my next FD. However at the moment I only have FD in HLB. THanks !

as long as it is from another bank, it is considered as fresh fund. I did it so many times within the same day for ocbc

IBG done before cut-off time, recipient bank will receive the fund on the same day usually by 6pm.

Does not apply only to over-the-counter MEPS IBG. It is the same for MEPS IBG done through internet banking. And yes. I am very sure about this. Sometimes the fund is credited as early as before 2pm on the same banking day.

Emmm...if not mistaken, i guess bank draft or cashier's order have charges like RM5. is it?

if using GIRO to transfer, got limited amount transferable ?

Sometimes, it is too tedious to move money here and there. It's better to select a bank that allows existing funds to enjoy the good rate, rather than going for a bank that enforces on having fresh funds only, even though the second bank may provide a slightly higher rate.