Bro, when you at OCBC, go talk to your RM about their NID (Negotiable Instruments of Deposits) - Capital guaranteed interest  4.5% every quarterly. That is if you willing to lock your funds with them for up to 5 years. Then again, might as well go for BR 5 years, interest paid monthly     

And the NID mentioned above also qualifies one for the Premier Banking 5.5% 3 months FD, but since you already got PB, I guess you got to open joint account with someone (currently non PB customer) you trust 
Bro the offer #2 not attractive if compare to BR 

Everybody is having the same symptom to look for better interest rates when their FDs are going to mature soon.
Old man is like this la.. keg keg (coughing).. ha jiu (flu)... excuse me.. 
I think perhaps the most useful benefit is their discounted housing loan interest rates for Citigold members.

These are the discounted housing loan interest rates for OCBC premier customer:

Loan RM 100K and below = BLR minus 1.8%
Loan RM 100K to RM 200K = BLR minus 2.2%
Loan RM 200K to RM 300K = BLR minus 2.3%
Loan RM 300K to RM 500K = BLR minus 2.35%
Loan RM 500K and above = BLR minus 2.4%
I guess AM Bank has changed their policy. When was the last time you place FD with them?

OCBC FRNID's Terms And Conditions (5 pages) - Potential to earn 4.5% interest rate p.a. for 5 years tenure

Effective from 2 September 2013 to 25 September 2013

Minimum principal amount: RM 70K
Maximum principal amount: No limit

Capital is guaranteed
No PIDM
Interest payment on every 3 months basis

oh did u get the debit card?

I don't want the debit card but would like to have the online banking services. Wonder if i can cancel the debit card after one month. hmmm

Young goat.. I do not need to use stretcher based on my many years experience, I can PK anyone of them
easily..

Did Am Bnak have any attractive FD promo during last year? 

House is so expensive now, how to buy..? 

You made good money from CIMB's FRNID at 5.2% for 2 to 3 years..no wonder you are so young and rich.. 

What do you think of OCBC's FRNID?

Young goat.. I do not need to use stretcher based on my many years experience, I can PK anyone of them
easily..

What was the minimum Ringgit amount for your CIMB FRNID? Now you do not have it anymore?

I never want to invest in structured product that is callable.
Totally not in investors control at all.

I experienced before, situation is good and favourable time and can reap good yield time, the bank called back. 
Experienced with a Klibor structured investment previously.

What is rate offered for housing loan by Citi? The FD rate at Citi is miserable but the service in general is better than that Ocbc.

It depends, but previously I am confident that KLIBOR won't rise, so I took the structured product, that if KLIBOR doesn't surge beyond x%, the structured product give good yield.
But sadly the bank call back the product since it has callable option.

Basically it depends on the clause set, not every product is the same, and vary from each other in term of the clauses.

Some callable due to hitting whatever threshold, some callable due to xyz condition etc.

Banks replaced a lower rate cert..? Banks are very snake.... 
But so far you are regret lah...you still made some good money loh.. 

This sounds ok lah.. But it was just too bad CIMB did not allow you to continue
the first plan which brought you more profit. In overall, you made good money,
congratulations to you. 

From OCBC FRNID, they projected these "Upper Barrier" interest rates:
1st Year: 3.85%
2nd Year: 4.00%
3rd Year: 4.15%
4th Year: 4.30%
5th Year: 4.45%

Because the RM just briefed me on the phone, so I can only roughly share this with you, it works something like this:
If the interest rate hits higher than 3.85% during the first year (2013), then investors will not earn any interest,
and if the interest maintains below 3.85% during the first year (2013), then investors will earn 4.5% p.a. interest,
and the same apply to the following from 2nd to fifth year.

So I guess your CIMB FRNID worked in this same way.

Th potential risk is KLIBOR shoot beyond 3.85%, at third year, and until fifth year, while the structured product is not called back until matured (why bank want to call back if this happen ),
means one get nothing and only get the 1st and 2nd years, of total 7.85%, and need to wait until fifth year for the product to mature, only get back the money.

7.85% for 5 years, it works out 1.57% pa only, which is worst than FD.

While if everything goes find, you get total of 20.75% which average become 4.15%.

So we may have 3 worst, mid, best scenario, based on the info posted, as I have no info about the product.

1. 0% for 5 years, Klibor beyond 3.85% since first years, you are stucked for 5 years, and get back capital guaranteed after 5 years time, long long wait.
2. 1.57%, if Klibor surge beyond 3.85% at 3rd years until 5th years
3. 4.15%.

I am not saying the product is good or bad, just we need to have various scenario outcome, whether it is good or not, depends on individual preference. 

It is unlikely Klibor to shoot beyond 3.85% at near future as OPR still at 3%, but we can't rule out anything entirely.
If Klibor does rise and beyond 3.85% in the future, the structured product return may be less than what FD can offer. This is the risk of it, and most important it is not a FD.

Commit 5 years and get 4.15%?
It is good if interest rate is stagnant or go lower in this 5 years.

Thanks for the correction, I taught the table is interest rate given as the I do not have the info in the first place (as pic attachment is not available at the time of posting).

The correct one is those are Klibor upper barrier, while if not shoot beyond, one get 4.5%.

So
best 4.5% pa
Worst 0%.

I just got MY BR ATM card today.

The BR officer told me the ATM card is only charged for one time fee for RM 8.00,
no more annual fee.

My BR ATM card is printed with Kad COOP...

I guess maybe we have FD there, so we got special offer for one time fee for RM 8.00..? 
Thank you so much for the update.. 

goat, reading your posts on this cimb frind thing, i have the same one.
bad news is it is 10 yrs.
good news is 5.2% beats the shit out of everything else!
the other good news is unofficially, cimb tells u if u need to, they will offfer u od at a lower interest, at least until they exercise the call.
u r rite... the one before it was higher at 5.5%, if i remember correctly.
after that, it got lower.
the thing is it is now into 1.5yrs, not called yet whereas all others before it have been called.
i expect it to be called in nov, soon. then from 5.2% -> 3.6% uob?
boom, just a quick browse, i think hat ocbc frnid is similar as the cimb ones but lower interest.
cherroy, agree frnid is not fd. but is there a thread on frnid? i seached for it, nothing. not sure if it's because it's frowned upon as i remember reading a couple of negative comments on it...?

maybe boom can start a new thread then. i think frnid is fine product as long as u know wat u r in for.

Is your BR ATM card printed with Kad COOP?

I think the iRakyat website is quite useful, I can see my saving account amount and FD amount there..
Ha ha.. my Titanic feeling has decreased a lot suddenly.. 

Thanks for asking me to apply for BR ATM card, and also remind me to use iRakyat site.. You are one of the bests la.. 
but still I do not need a stretcher...

I am curious what is the difference in between Kad COOP and regular BR ATM card..?

I hope iRakyat online security system is up to date.
And we'd better change our password frequently.
I think there is pro and con to use ATM card and iRakyat online system, provided the online system is 100% secured.

We can use BR ATM machine to transfer fund (from RM 3K to RM 5K per day) to other banks on the same day, but it will charge RM 1.

Kad COOP bercip can function like normal Atm card and internet banking. Cost RM5 pa starting from 1 November 2013.

Kad COOP tanpa cip function like loyalty card but without Atm n internet banking function. Free for what purpose ? 

MBB Atm got yearly charge or not also dont know ?
OCBC, Hong leong, STD CHARTERED ??? Anyone ? 

I hate changing password for all types of account. Nowadays use password software to remember login id n password for everything under the sun..

Ha..haa. you are going to be suprised.... not by china doll... but just received letter from BR stating beginning of 1 November 2013 there will be annual RM5 fee per year...

Just received letter in the mailbox.

If you cancel the ATM card, automatically Internet Account can use meh....! Not sure also but you cancel and test and let us know...

Too many password and too many login ID.. wat the heck , not bothered changing it. Some sites wont allow you to maintained the same password for too long, so wat to do, changed then changed it back to original. Poor people like me not much to worry about hacking...   touch wood...