To haur:

Hua hua.. 6 digits is quite impressive..

Our higher record for 1 year FD in BR is 4.25%.

You can call OCBC help line after 8.00am on Wednesday to find out their new promo rates:
Personal Banking: 1300 88 5000
http://www.ocbc.com.my/

But most likely OCBC will not be able to beat BR's rate.
But it is no harm for you to find out the OCBC new promo rates first before you go to BR.

For my case, I can only collect my FD cert in about 3 working days later after I submitted my
banker's check to BR; but another member reported he/she can collect the FD cert on the
same day...

Just to remind you one more time, Bank Rakyat does not have PIDM protection..

Good Luck.. 

I got current account with RHB so I deposit into that account 

If you go open a savings account with RHB, still need to pay for the ATM card - need it to register for OTP for online banking.

Next year onwards we'll be imposed by all banks another RM0.50 for cheque processing fee 

Went to Ocbc open Mega Saver and new Smart Saver today before the rate goes down...

Effective 11 sept ocbc promo

Fresh fund same as before
Mega saver interest drop from 4.5% to 4.2%, previous 2:1 ratio remain. A quick estimate shown the effective rate is 3.55%.

Fresh fund same as before
13 months joint account drop from 3.7% to 3.55%

No Fresh fund required
3.33% for 12 months. This one I wasnt sure as the rate is low and I dont want to waste my memory cell..

Which branch did you go to in Pg ?

Can share with us what rate did you get..? 

I only used Jelutong branch so far as it is nearer to me and don't have to go to Magazine Road.

5k deposit actually no need confuse. Just deposit the money to the bank nearest to you or online FD.
A rm5 petrol and parking cost is equivalent to 0.4% of a rm5k 3 mths FD. Therefore an online 3 mth Fd of 2.9% gives you better return than a 3 mth FD 3.2% from another bank but with traveling cost of RM5 to get there.

You can do it with M2U online, that is why it is called eFD. Same as M2U Savings Account, you can only sign up online.

Boss Cha Cha, where are youuuu...

Today Affin gave me 2 mugs, 2 planners and 2 pens. 3.6% for 1 year NID, can withdraw anytime without lost of interest.