It is confirm that can top up saving combo but 20% has to be kept at smart saver. Before end of Aug, effective interest rate is 4.2% (4.5% and 3%)in Sept will be 3.8%.(4% and 3%).

Better open on line FD for two months at 4.5% , max rm25000.

Booster deal?

Today tried out IBG, morning transferred afternoon 3pm money appeared in account. Looks like cheaper than rentas way. Taking banker cheque need to bank in and involves transport costs.

Just went to Maybank branch and enquired about PMA-i account. The staff is not quite sure about the product. Anyway, as

PMA-i is a current account they insist that I have to look for an introducer who already has a current account with

Maybank or Maybank Islamic even though initially one of the senior staff said there is no need for an introducer if no

cheque book is requested...
Now either have to look for an introducer or give it a miss...

Sometime, just don't know why we get different answers, even from the same bank. 

After several round of musical chair games, though bankers cheque is free for some banks, I find it useful to do IBG if I wanted a round figures for new FD in other bank. i.e. IBG to my current acct and then issue a personal cheque with round figure.
I understand it will have 1 day delay for the IBG to go through, unless using OD acct like some have done here.

Has anyone tried requesting multiple bankers cheques upon FD maturity like example below:
100k in OCBC FD, interest 4% p.a. - at the end of 1 year, you get 104k as total. Then you ask for 3 bankers cheques
1. 50k for says BR new FD use
2. 50k for says HLB new FD use
3. 4k for says MBB saving acct as spare cash use
I guess they will charge for such request. Anyone has any similar experience? 

Come to think about it, the OD facility seems very useful and convenient for frequent musical chair gamers. No time lost, no charges, any number of splitting, any round figures as required. (But 15sen per personal cheque lah...)