1) Is the rate 4.70% negotiable?
No, 4.7% is straightly not negotiable regardless of the FD amount.
2 year ago MBSB said even 2 million also cannot negotiable.
But you'd better ask MBSB again because my 2 years old info could be out dated.

2) Is it possible to uplift the FD from different branch?
No, cannot. Just like BR, each MBSB branch works indenpently for their own branch performance.

The only bank that I know of can uplift FD in other branches nationwide is Am bank.
For example, if you placed your FD in Penang Am Bank, you can bring your FD cert and uplift your
FD in Johor Am Bank, but you have to pass the thum print verification.


3) Do they provide online account for depositor to check interest credited?
I am not sure about this.
But I do not think MBSB has this online facility since they do not even have ATM machines.
This online account is not important to me because I just need to go to MBSB to collect check every 6 months.

MBSB's 5 years FD pays interest every 6 months; so MBSB will pay 10 times of interest within
5 years. MBSB can pay semi-annual interest to depositors in 3 ways:

(i)
You can go to MBSB branch (the particular branch where you placed the FD) to pick-up the
May Bank banker's check (free of charge). Usually MBSB will call depositors before noon
to collect the  check. But don't count on MBSB will call you before noon, because I feel like        sometimes they might forget to call you. So, it is better you put a reminder on your dairy to
remind yourself to collect the check on that date.

(ii)
You can instrust MBSB to deposit (I guess it is IBG) interest to any of your bank saving accounts.

(iii)
Open one MBSB saving account, as MBSB to deposit interest in your MBSB saving account to earn    2.25% interest.

Warrior, if you can get 4.7% from BR, then just continue your FD in because BR pays monthly interest.

You only need to consider below 2 factors before you move to MBSB from BR:
(1) The difference in FD rate, which one is more profitable for you?
(2) BR pays monthly interest versus MBSB pays semi-annual interest.

In addition, BR has more branches than MBSB, and BR has ATM machines and iRakyat online account.

For me, the bottom line is our profit, but you decide.

Please do not hesitate to ask if you have more questions. Always my pleasure, Warrior...