Incorrect, should b
1st 1k @ 0.5%
Next 4k @ 1%
Next 15k @ 1.9%

Ooh. If can get banker's cheque from HL counter then it'll be much easier.

Mach quite convenient from my place, recently found out they open another one in Klang also.
Just open account with them enough edi lor. Everything else place online ma.

Ya, I like to do things online. But if to get bankers cheque from HL Bank, after FD maturity in Mach, without having to go to Mach, then should be OK. Just one trip to HL Bank (instead of Mach & HL Bank). 

If I don't have any other accounts with HL, even if go to Mach branches also cannot do any OTC withdrawal? Or any GIRO transfer with no limit ones.

Yes, that is what I said earlier, from what I read before. So to get the banker's cheque, one have to go to HL Bank. But before that, just allow the matured FD to go to money box (Mach account) first ? So no need to go to Mach and then HL Bank ?

Just want to confirm on this. Mach acct slightly more complicated than normal FD acct as it involve Mach and HL Bank on certain transactions. 

example is Maybank's FD Samba 6 Promo: http://www.maybank2u.com.my/WebBank/fdSamba120614_tnc.pdf

i was wondering how does the bank protect itself and also protecting our investment, if everything is based on OPR itself.

if sharp drop of OPR, means our interest rate will follow? how about increase? will the bank willing to increase the intesret rate as well (or just coy about it, business as usual)

Yes. Im on auto debit.Already increased.greedy harimau. Is it actually legal even before announcement?

I immediately call CIMB when saw the RM50 'CRC charges' in CIMBClicks. The officer said is due to issuer didn't pick up call from cheque processing department for verification 'on the large amount being issued', therefore they need to conduct verification manually via internal and external system.

Don't know whether they are looking from money laundering angle.

I just closed my current account yesterday and never look back again.

Just checked with Mach sunway pyramid branch. The guy say cannot do a OTC giro at HL bank but can get a bankers cheque using moneybox account.

2 more days to D Day ...............................

Some will be happy,    while some will be sad  .................

For the high rollers FD-ing RM400k and need to CASA RM20k with RHB, be sure to use RHB's MaxCa$h current account. Higher interest.

I thought that was for internet banking also. OTC also the same 10 cents?

Meaning yes?
Sapport BLR increase !!

The effective rate of around 4.06% looks the most attractive at the moment. MBSB 4.7% for 5 years, but then if the OPR rate going up in 1 year, then 5 yrs rate may go even higher ?

Ha ha, so have to decide whether to go for RHB first ?   

Interesting that RHB and MBSB are merging with CIMB soon ? 

Why would one want to put in UOB for less interest... hmmm...
Go for MBB much better....

Sometimes, if amount is small, the 0.1~0.5% difference may not worthwhile to purpose transfer the money around, time, parking, petrol may be more than the extra interest earned. Eg. 10k FD with 0.2% difference, is Rm20 pa. Purposely go to bank, withdraw and drive to ten of km away, then parking fee, the total amount of fuel, parking fee, toll fee may also reach Rm20.

Unless one doing in convenience, and having time, then it is another story.

Convenience, prompt good service also a consideration, not solely rate.

I had bad experience with one bank, that I had met no less than 3~5 time offline issue, which I unable to do any transaction when their system was offline, waste plenty of time and effort, so even they may offer a better rate, I also give it a skip.

Beach street and around that area, should able to find almost all established commercial bank including so called foreign bank.

Yes, Beach Street is the main street. Bishop Street which is also junction with Beach Street also have some banks there.    CB is not in that area.

Are you (aeiou228) planning to open bank acct in Pg island ? 

Last week just put in UOB, now thinking of withdrawing from UOB and BR and put them together into this...

Hmmmm dilemma now......RHB 15m 4.06% or OCBC 12m 3.9% should be the better choice?
Last promo for OCBC 3.65% for 12m die die require me to open a savings account although it's a direct FD.

I placed the same FD today and i'm uncomfortable when the cert itself doesn't mention clearly of the 3+3 FD promo interest. I asked the bank officer to issue me a proper document to go with the FD cert which they reluctant to do so. came back home and checked online on maybank2u my FD cert no. says its a 3 month FD with 3.3% interest rate.

kinda pissed since i took half a day just to get this done. Due to my pass bad experience with this bank i'm cancelling the FD placement with maybank tomorrow, I made my mind to move the funds to OCBC for 3.9% deal instead.

First 3 Month:

1-2 Month 3.30%
3rd Month 3.60%

Next Rollover:
(1 time only for another 3 months)

1st Month 3.30%
2nd Month 3.40%
3rd Month 5.48%

I did all my FDs stuff while running banking errands for my co. Cost on them    Sometimes these are the benefits for small co without runner boy.  Please do not follow what i did