The hamper mostly consist of tidbits probably worth around RM50.
Since you know they have those as gifts why not ask ?

So like that did they give you hamper ? It depend on the amount deposited, the larger amount the better. Hamper inside tidbits and soft drink only nothing much to say. Nowadays they give Parker Pen and a few regulat things.

Like that each day deposit a bit, so everyday get a hamper..he..he..

I just placed a FD (<50k) at BR recently, they just given me a diary only, that's all. 
The PJ Section14 BR branch is not generous enough, better don't go there. 

I went to Bank Rakyat to collect my FD's interest, Bank Rakyat gave me 3 items:

(1) Diary 2013
(2) Parker pen
(3) Keep cool container

Of course yes.. need to use some efforts to get those gifts..

There is a drawback for Bank Rakyat as it is not PIDM (Perbadanan Insurans Deposit Malaysia) protected.
Hong Leong is also offering up to 4% p.a. for the 12 months tenure and it is a PIDM member institution.
Please do read back this thread for earlier discussions and feedback.

Hong Leong Mach Branch only..

It is an online FD Promotion from now till 7 March 2013, if you are interested here is the site: https://www.machbyhongleongbank.com/promo/mach-fixed-deposit

Yes, I opened the HL Mach FD on their first day launch last Monday. Min 1k.
4% should be the highest interest rate with PIDM protection at the moment. 
It is an eFD, no physical certificate, but you can see it in the internet banking.
It has one unique feature as indicated in the brochure "Make partial withdrawals without forfeiting your interest", but before you get excited, make sure you read the fine line at FAQ Page 3
But at least it is an advantage over conventional FD when unforeseen situation happen.
The alternative is to keep all in 1k individually.

In fact, before I go, I din have high hope on 4.11%...I am fine with 4.06%...then when I ask for more, the teller said need to nego with manager... I tired (no loss mah), and to my surprise I got it! It is great.

@magika, do u have to nego on your every visit, or they will honour the previous rate you gotten before?

There is no need to nego once their computer system registered your last rate, but must be more than 50k in order to qualify for nego rates. Just reconfirmed with counter upon new deposit.

Your bank manager seems to be lazy, can get approval in a few minutes if you care to wait of course. If not mistaken for extra 0.05% bank manager can approve it.

Funny my OCBC GIA-i has been auto renew with 3 cert at 4% and 1 cert at 3.05%. Looks like need another trip to OCBC for explaination.

Wa lau eh.. auditing me...he..he..
Yes lah , see tomorrow how still not decided yet..

Had a conversation with BR Manager, it seems their authority local is extra 0.1% only, extra has to email HQ.

ha..haa..managed to get 4.20% + 0.1% = 4.30% at Br. However its for a substantial sum..

Its 12 month deposit, board rate at 4.01%pa, nego sucessfully increased it to 4.20% pa with 0.1% for introducer thereby effective 12 months 4.30%pa.

Well, you have been making new "highs" on BR ! I will be going to BR tomorrow and hoping to make the 4.2%. Only got the 4.06% last time.

Thanks !

I have spent some time reviewing my Fixed Deposits for the Year 2012 and am glad to say all my deposits gave me returns of between 4.00% - 5.00% pa for that year. Prior to that, I was only receiving between 2.85% to 3.00% pa. This is due to my own apathy and also due to sentiment that FD does not generate much return. It was only in beginning of 2012 that I started seriously calculating and scouting for better rates and thanks to this forum, I did good for the year 2012. I would also like to mention that at the end of the year what matter most is the returns. Like most people generally, I used to deposit and forget at Maybank (safest bank in Malaysia) which gives a pittiance around 2.85% pa to 3.2x% pa. Banks like that are capitalising on depositors conservative sentiment. In all the years being conservative has made me a loser in terms of yearly returns (its quite a large sum ). So I will say to all , at the end of the day, total returns matter the most. Ha..haa...

Just got a call from BR, inviting me and partner to a Chinese New Year dinner!

Did not know that there are spin-off benefits like the above for FD customers there. Ha.

Check it out if they also have one in your location. Ha.

Cheerio.

yes if you have significant amount, you get better rate with 5 years. 4.7% at MBSB.

sometimes promotion also can get good rate like 4.5% - 5%. MUst be quick to grab and dump all in. I still enjoy the 5% HLB Junior FD, monthly interest.

FD 1 year and above at rate below 4% is considered poor rate.

And yes, i agree with magica alot of people are 'so attached' to 'big' banks, like MBB, Std Chart etc- give  poor FD rate also they dont mind.NOt for me, i used BR, MBSB so many years already still they didn't collapse yet...

And yes , a rate difference of even 0.5% can be significant if you have quite abit.
Even for RM100k, 0.5% means  extra RM500 a year. If 1M it means extra RM416 per month!

Now imagine if you get only3% at the 'big bank' and BR or MBSB paying 4.5%, how much loss already every year?..

BR is good at customer care, every year will send hampers to your house. Regularly  got invite for makan at hotel. And when they invite they ask you to bring friends, even if they are not BR customers.

Go to hotel makan, got lucky draw somemore, and is like planned you will get a hamper . Put new FD ,they will give free gift, parker pen, Manicure sets, T shirt, umbrella, Bath towel. I think BR is rich, making lots of money every year, surely can afford to pampers its Customers, cant imagine how the BR can go collapse........, i assured myself.

1. Yes gifts are based on bank discretion. Have thick facial skin will help also.
2. Not interested.
3. Changed branch can ah...
4. Who you talk to ? BR office cleaner ? heh..he..
5. ?? got no. 5 meh...

note: if get premature rate like that I will deposit for 61 month so does not matter if i withdraw after 12 months.

note 2: is based on previous month premature rate table or in BR terms something like Pramatang..

For 3, not true. Cumulative amount to some high TOTAL figure in BR can help you to get 4.2%.