As mentioned earlier by other lyn member, all SCB savings account have free IBG and IBFT. I am looking for a saving account for free IBG & IBFT, online banking and only e statement only without the need for cash withdrawal or debit card etc. I am also not interested if there is annual fee or debit card fee for the account.

Looking at the types of savings account, looks like the following would meet my needs, but i have questions on the following:

1) e$aver
a) No minimum deposit to open
b) No service fee
c) interest rate of 0.25% p.a. on all balances
*No other info on what is the required deposit monthly to be maintained in order not to get charged

2) JustOne Savings Account
*Thanks to the recent update, there is debit card annual fee of RM8, guess this account is out.
*According to the fee & charges (https://www.sc.com/my/cb/fees_and_charges.pdf) pg17, section k) Fees & Minimum Number of Transactions - JustOne Savings Account
No Debit / ATM Card. If no debit/ATM card, why would there be charges? Unless SC is talking about people who hold this account and apply for debit card.

3) Young Savers Account
a) RM1 of minimum deposit to open
b) Free eStatement subscription
c) Free Online Banking
d) No ATM/ Debit Card. Only one cash / transfer withdrawal is allowed at
least one month from the last withdrawal - presume not subject to "fees & minimum number of transactions"?
e) interest rate of 2.7% p.a. up till RM50,000
*No other info on what is the required deposit monthly to be maintained in order not to get charged.
*Why not getting this account since the interest is high? Could not find what is the eligibility to open this account on the website

Appreciate members' feedback on the suitable account for me to open with SC to enjoy free IBG/IBFT. Thanks in advance