Sorry Sis, I am afraid I mislead you.

All banks do not have obligations to give us free gift when placing a FD; unless they have a promotion stated free gift will
give away when placing FD, and most of the time they will put down on condition provided the stock (gift) is still available.

What I tried to say was:
Just try to ask for free gift when placing FD (especially when signing up new premier accounts, new FD accounts, or place big sum of FD)
even there is no promotion. Sometime bank may have some extra gifts left over from their previous promotion, or they may have
some gifts ready for customers who ask for them.

But most of the gifts from banks are not valuable, like umbrella, coffee mug, diary, back bag, travel bag, towel, shoes bag, and etc..

The gift from bank is just an extra bonus to us, if we can get it, that is great; if not, it is fine for us too. The most important
things for us is the FD rate.

I heard 2 stories from 2 RMs, they used their own money to buy gifts for their new sign-up FD customers:
(1) OCBC - RM 100 Parkson voucher (I think this was for premier customer)
(2) HSBC - A normal diary book (This was for new regular FD customer in a new branch opening last year)

No No no no no...  One exception case did happen, OCBC RM tried to cheat my gold art. 
I mentioned this con case last time, I believe you knew about it. 

Better to check around and make sure what gift promotion does the bank have before we go. Trust no RM..

I got free Mont Blanc pen also worth more than RM1k

thanks avfan for the detail explanation.
i think its better to stick with CIMB instead of go for conventional bank.
by the way, is there much difference if the bank in not covered under PIDM?
as for bank rakyat, its covered by under MOF rite?

Received called from Hong Leong bank saying there is a FD promotion 5.25% per year. The staff wanted to make appointment to explain to me. I asked her is this 5.25% a pure FD and not reuired to buy any structured products or unit trust etc..she said is pure FD. I told her email to me the detail first begore meeting up...no news thereafter...anyone of you aware of this FD promo?

btw, banker cheque increase to RM5 for CIMB
http://www.cimbbank.com.my/important_notices/bank/

Enjoy 5% profits per annum with the BNM Sukuk 1Malaysia 2010, available at commercial banks,
Islamic banks, Bank Kerjasama Rakyat Malaysia Berhad, Bank Simpanan National and Agrobank.

Subscription period: 20th May till 13th June 2010
Eligibility: Malaysian citizens aged 21 years and above

- Susuk will have a maturity of 3 years
- Based on Shariah principles
- Minimum subscription of RM1,000 and maximum of RM50,000
- Issuance date: 21st June 2010
- Resaleable before maturity date

Link:
http://www.offerstation.com/offers-promoti...laysia-2010.htm
I missed this opportunity 

Anymore good deal like this recently..?

not sure but the 5% is really alot. I put in half year then took out oredi. 

Not just CIMB, Affin bank increased to RM 5 too, i got a shock when I found out but no choice had to do it.

Maybank has been charging RM5 for a while....

the current promo by till end june suppose to have 4% interest right?

I withdrew my Bonus Saver prematurely and convert it to AUS$ FD, taking up the +5% promo for one month FD. Net rate is 7.43%. Exchange rate is RM2.9381. No penalty on premature withdrawal.

One month FD (2.43%) + 5% = 7.43%.
Buying and selling will incur an exchange lost of approximately 2.3%. Conservatively if Aus $ still remain below RM3, I will still get 5%. I took it up because of promo. There were some discussions earlier in this topics and most advised against it because of exchange lost.

I brought this up is merely letting the member know there is no penalty on prematured FD withdrawal if you convert it to other Ocbc product. I actually wanted to use my Smart Saver but not allowed

UOB 12-months FD - so far best they could give me is 3.75%

You can check how it works here under "OCBC Bank - Combo Plan 3 Months FD 4.5% Ends 30 September 2013":
http://generationsxyz.blogspot.com/p/fixed-deposit.html

Smartsavers account details:
http://www.ocbc.com.my/personal-banking/Ac..._SmartSaversAcc

Average effective rate is usually around 3.9%-4%. Definitely not 4.5%, almost all the banks also will use all sorts of methods to attract customers to place FDs with them.

It's either RM100k or RM200k to get the highest interest rate possible, which is around ~3%. I don't remember where I put the product information sheet already. Better check with the bank or your RM directly. Good thing about Premier Save Gold is that no need to deposit every month compared to SS. But you need a minimum available funds of RM100k to keep that account open.

I can confirm it's definitely applicable for the saving combo promo as I have been placing FDs for their promo using Premier Save Gold. Not sure about their minimum amount required to deposit though.