Its applicable 0.1% of total FD amount if you recommend friends to deposit in their FD. You will need to open a saving account with BR, then when your friend open FD at any branch, just gave them the name n account number of the referral. I used to give back all the RM to my friends and relatives.

BR also gives free gifts and can nego, if shy get pittiance. I used to get hamper, towels, bags, a few shoe bags, just thick skin and demand, also extra 0.05% rate. Try to be nice and get nothing.

OCBC, when recomending Premier Customers no matter which branch also need to inform who the referral is, also need to ask what is the gifts, and also keep harassing. Be too nice a guy, doesnt pay, be kiasu it pays..

PS: Pls enquire first.

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Added on September 12, 2012, 9:28 am

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Added on September 12, 2012, 9:43 amWats the matter with Hong Leong Bank ?
Got quite a lot of phishing email, with quite a lot of accurate private info too. However reply to email ends with. edu something .

Any branch will do provide its RM50k above. Just ask from counter and insist others can get the extra. Enquire first though, but deposit large amount only got more bargaining power. 

Thats why sometimes I hesitate to break up my FD, small amount no bargaining power.

If you are married, its better for you to uplift your fd when reach maturity date. Open a BR saving account. Later ask your missus to open the FD at BR stating that you recommend. You will get 0.1% credited to your saving account later..