bearbear These are what the staff told me:
1. The Affin 15m 4.05% promo...it is a straight forward FD

2. SA is mandatory...principal + interest will be credited into the SA upon reaching maturity date

3. The RM20 is for ATM card, RM100 for passbook

4. FD withdrawal from other branch is allowed but limit to a maximum amount of RM50K

the Affin bank slips is better got class and cover.. maybank also cheap papers.. and ugly and non transparent covers..

You didn't get an ATM card means :
1. you've placed a FD with Affin
2. deposited RM20
3. but tarak ATM card?

Like that ka?

But 2 years wor.. 

And furthermore what if OPR increase again soon..? 
I would go for Affin 15 months pure FD at 4.05%

RHB 15 months at 4.1% looks troublesome for me since it needs to
put addition 5% into CASA for 3 months, 3 months later will need to
take the money out and place it as FD again in another bank and this
is not so cost effective... 
In addition, the effective rate is actually lower than 4.1%..

So in conclusion, I think Affin 15 months FD is the best so far ... 
My opinion only...

BoomChaCha,

I tried to google for the Affin 15 mth FD promo but can't seem to find any info about it? Not even on their website.

Some forumer mentioned that, for the Affin 15 mth FD, we need to open SA? Somemore Rm100 for the passbook? Rm20 for ATM? What the....

Actually I only have 3 criteria for my next FD placement.

1) straightforward pure FD, no CASA
2) tenure doesn't matter
3) must be PIDM protected
4) highest interest that fit the 3 criterias above. Hehe

Any other better options? If possible I don't want those banks that gonna emerge soon. So headache..

Affin offering quite good interest rates.. but branch limited...15 months alang -alang? 2-3 years hmm good, cash rich...

yup.. because of the traffic flows.. very fast, Ocbc famous, just dunno Affin will go bankrupt or not.. steady or not this bank..

Can I uplift my FD in KL RHB branch? FD is deposited with another RHB branch in my hometown..

just walk out from UOB for the groupon deal placement, almost 1 hour spending there, choosing wrong time 
but really not bad service

Affin pure FD, 4.05%, valid until 30 December is rubbish.

They told me min RM10k
Must open account with them. Min amount RM100 also can cause interest will be added into that account. Cannot add on

how is the quality?

So many FD promo, dunno which one to choose. Anyway, does anyone go for OCBC 24 months FD promo ? Can share with me your thought ? Need some advice from expert here

Yes.

Especially I see FD rate won't be raised drastically, then this Klibor structured product is good alternative as hedging tool.

hi , just to confirm. You have to open 2 accounts to be entitled to the luggage right? One e-account and one FD with ratio 30:70.

Making the effective rate not 4% .

UOB FD promo bundled with free luggage from Groupon:

Saw this luggage picture from another forum:
Luggage brand is Bayers, hard type luggage:
[attachmentid=4105318]

Anyone know how does the Mach FD partial withdrawal works? Let's say I chose the 1 year FD with 3.6% interest. How does it differ with the 6 months 3.5% FD since I can withdraw it anytime without any compound ?