I tried out bank rakyat last week.

I read somewhere in this forum that above FD 50K can nego the rate.
However, I was told at the DU uptown branch that I can only nego the rate upon fulfilling the following 2:
1. Existing account holder
2. FD placement 100K & above.

However, they did give a cooler bag free gift though

Anyone else has other versions at BR?

Which branch of SCB?I went to the Taipan USJ branch this morning the lady at the counter tell me the promo is closed.

Wanted to go for UOB 3.75% for 12 months - outlet do not have electricity cannot process.

Go back to OCBC for the 3 month promo - need fresh fund my matured fund is in bank cheque under OCBC.

End up cash in my bank cheque and have to go to OCBC again when it clear.
Any rate that is high?

Personally i am doing the following.

1. FD on monthly basis (Get you 3% or so) - Minimum 5k for 1 month, IIANM 3 months or more for 1k fund.

2. Accumulate the FD fund on yearly basis and go for special promo.

Reason: I do not have the luxury of time to deposit FD over counter (Most promo with higher rate require this). my monthly FD are also my emergency funds and i manage it via online banking which allow me to withdraw without hassle if required.