Bro, thanks for the update. Not often MBB offers interest rates higher than Affin's rates. Moreover, since it is offered to companies where most FD Promos are not applicable, it is not surprising if the targeted amount is reached before the 24th Aug. Then again, like I always mentioned, OCBC and UOB Commercial Banking do offer very competitive interest rates and makes no diff if MBB Promo ends today or tomorrow.

But for individuals 12 months FD, still got Affin 3.6% (Board Rate), HBL Senior FD 3.6% (Interest credited monthly), HLB Junior FD 3.65% (Interest credited Monthly) and UOB 3.65%. And if got KFH nearby, can get 3.85%.

Maybank Promo vs above with difference of 0.05% to 0.1% (exclude KFH) really not much diff. If got RM1M, then there is a diff of RM1K  Then again, if one really has RM1M, better go with  OCBC 3 months 5% and 4.5% Promos and earn more from interest in 3  months time instead of waiting for 12 months with any of the 12 promos mentioned above/posted in post#1.

And some would say we wasting time with above 12 months promos since Bank Rakyat Qiradh General Investment Account-i is offering 4.01% for 12 months, hahaha

Bro, agree with you on the above.

Nowadays I find MBB and RHB nowadays are pretty fast since deposits and withdrawals can be done with machines. AmBank I don't know since I don't have account with them. Affin, sometimes can be kind of crowded at my branch but reasonable wait time.

And I agree with you the "slow ones" are SCB, HLB, UOB and OCBC because they have freaking lots of PB customers. Click here to read my article on UOB Privillege Banking & Retirement where mentioned I would go to PB Centres to get a cup of coffee and then do the general banking hall for my transactions, haha.

Going with OCBC Promos does take a lot of one's time because as you mentioned got lot of forms to sign; and, longer wait if Promo need us to open new account. But, understandable lah, SG bank mah, so Kiasu, hahaha. Once I thought it'll be faster to just go to the teller for a straight forward FD Promo at the general banking hall and when it was my turn, I was told by the teller I need to fill in form prepared by a Personal Banker as she can't just accept my cheque So I asked her how come cashier at PB centre can accept deposit (sometimes, I go straight to the PB cashier and bypass the RMs), she told me the PB cashier by right cannot fill the deposit forms but because maybe RM busy, no choice.

As for SCB PB, I also find they have lots of customers and have to wait like UOB.

HLB, as gsc has mentioned, the wait is long. I only have been to my HLB Centre twice. 1st time to request for Priority status because needed to get an ATM card to sign up for online account to activate my daughter's Junior Debit Card for online transactions. Technically I don't qualify for HLB PB because most of my funds with them are in Junior FD, but HLB have always entertained my request, unlike others, I am one happy HLB customer. Second time there, saw so many people waiting for the PB cashier so went to the general banking hall instead. Now with HLB PB card/status, I can go to any HLB Branch and be served almost immediately at the Priority Counter:)

Same as for my Alliance PB, if the cashier is with a customer, I'll be served faster going to the general banking hall.

But none of my RM disturb me with other investment schemes because from the very start I told them I am only interested in no frills FD promos.

And the worst of all is Citibank if you are new with them, can take about an hour or more to open a new account.
KFH branch location kind of inconvenient for me and as such not interested to even check them out.

Yah, playing musical chair one must have the luxury to waste time during working hours and it's not for everybody.

The OCBC Banker's cheque is FREE (if under your own name), right ?

for 12 month, rate is 4.01%, i asked bank rakyat and they said if I put 10k, 1 year later I get 401, is that correct? I am not really trust what they said..you know..lol

See my earlier post for some info. For 50k and above can negotiate to get 4.06%. For 500k and above, up to 4.11%.
But it all depends on negotiation with the person in charge in BR.

Cumulative amount helps as you built up bigger total amount in BR. I got up to 4.2% last week, thanks to Magika for sharing his experience and challenging us to get higher and higher rate from BR !!

I heard AmBank did similar action during CNY. Even deliver to the house !

Any AmBank customer can verify this ?