I just notice there is missing for RHB Bonus Savers account in this thread.
http://www.rhbgroup.com/products-and-servi...-saver-account/

I am using it, and it pay me 2.65%-2.75% p.a every month of my balance.
However, to archive this, you will require to credit RM500 per month in 12 month time to step up the interest. (with no withdrawal)

The RM500 incremental every month is based on your average balance in a calendar month, so to ensure it will entitle a step up, it will be better if you credit rm500 in 1st of every month. Or else you will need to calculate the amount needed for credit in order to have average balance incremental of rm500 comparing to average balance from previous month

once your 12 month step up is complete, your account will be permanently having 2.65%-2.75% base interest rate count for daily for any balance you have in account (no withdrawal limitation, can withdraw anytime)

I have completed my step up on beginning of 2014 and now it pay me 2.65%-2.75% p.a every month of my balance.

PS:
If you worry about the annual fee of the debit card when you opening an account, which will drop you effective interest rate.
What I do is I open a Basic Saving Account with No Annual fee first. then open this Bonus Saving Account and request to link to the debitcard/ATM card on the Basic Saving Account without annual fee. Just need to ensure every 12 month to make some transfer to the basic saving account to keep the account active.

Most branch people will said cannot link, but try to ask them to check with their manager, because there is no black and white state this account could not link to any card. It took me some time when they finally agree that can be link.
*I am not sure if there a new TnC state that Bonus Saver account cannot link to Basic Saving Account anymore.

see attached for the step up calculation:


This post has been edited by edwardccg: Oct 11 2015, 09:32 AM

interesting, got to check it out.
transfer from truesaver to truetransact will consider as a withdrawal count for the 3x limit?

This post has been edited by edwardccg: Oct 11 2015, 10:58 AM

I having multiple CC to pay end of month, and cash top up to wallet end of month.

so the strategy here will be transfer total amount (CC1 + CC2 + cash needed) to truetransact (1x count)
truetransact pay to CC1 and CC2 for free IBG (2x transaction here)
truetransact withdrawal cash to my wallet (1x ATM here)

then i will only used for 1x withdrawal from truesaver.
is this valid?

all my credit card is having the same payment date, no worry.

is there any minimum amount need to keep on the truetransact account ?
for the 5x ATM withdrawal in any MEPS ATM, it mention it will credited to truetransact as a rebate 1st of following month.
so i think that should be a minimum to keep in truetransact account for them to deduct this fee.

have you tried to use the 5x free MEPS withdrawal?

here is the TnC
http://www.truebyambank.com/Documents/TRUE...sterCardPDS.pdf

if i transfer rm500 from trusaver to trutransact for withdrawal. then will have -1.06 on the truetransact account and then only will return to zero after 1st of following month?



This post has been edited by edwardccg: Oct 11 2015, 05:14 PM

thanks for the info.
just fill in the form and submit the application via their website.
guess next step is they will contact me for some personal detail.

what kind of difficulty?
My office area don't have ambank, an online option there is convenience and I don't want to take even a half day leave or this.

I have submitted the photocopy IC and my office information and they replied will notify with my application within 3-4 working days. I guess this is the difficulty? 3-4 working days is kind of long. If ever i could go to branch would be just done within an hour.

The site should state the whole process. (well, it was my fault that I did not ask here before proceed)
If I know there is a need to visit branch again, then I will not apply online.
They must well not giving this online option, it is useless since you will still need to visit branch again

I thought it was similar like a credit card application process.