Record your SA last transaction dates on your dairy so you won't forget.
I do the same for my FDs.

I do hate how CIMB's FD cert is tissue thin.....hmmm...

When I showed your posting to my buddies, all of us laughed....    
Thanks for the fun... 

They never sent me any letters all these years, except the letter about FD account being dormant too long.
Yealo, plan to take out everything and close the account.

Oh...    I am sorry to hear about this..

What kind of money was sent to BNM?
FD? Saving account?

Regardless how troublesome is it, I suggest you to claim back the money
since it is your money, unless the money is too small for you..

Some banks will send remainder if inactive for long time. Hong Leong bank does that. Worst is Bank Simpanan. No news about your account until you go to check it out. My B Simpanan money was sent to BNM and with the help of the bank, I managed to get back the money without interest. It is not troublesome and BNM quite efficient.
Every country has its own system on unclaimed money. If your money is in US and inactive, the bank or financial institutions will send to the unclaimed money section, can't remember the exact name. You can check your unclaimed money at the website. Many Malaysian and Singaporean left a lot of  unclaimed money, not big amount in the US

Oh..I heard if more than 7 years no active, banks will send the money
to BN. Is you SA more than 7 years no active?

I think our ancestors must have some valuable things hidden in some where
that we are still not aware of. For examples like FD cert, cash, jewelry, SA book,
property title, share cert.. 

I believe nobody can inherit 100% of their ancestors' money, some money will be missing
in somewhere; unless our ancestors can plan and manage well and pass the money to the next generations..

I thought MBSB and BR would revise their FD rates after Hari Raya, but they did not..
When are they going to revise..? 

With 4.7% rate in hand, you cannot lose out even with any increase offered by any bank ......how much extra can they offer?  who can offer higher than 4.7% rate?

Waiting will only keep your money half work half sleep, i put mine to work at maximum level........get to that higher rate (if there is any) with  your next FD when it matures...

It is possible that MBSB 4.7% will revise to higher rate if 2nd OPR increase.
But they might not revise if they think their 4.7% is still attractive.
In my opinion, if 2nd OPR increase, most likely MBSB 4.7% will increase, maybe
up to 4.8% or 4.85%? 

If I can recall it right, the lowest rate of MBSB's 5 years FD was around 4.2 or 4.3%,
the highest was 5.5% few years ago.

Since all my. FD is auto renewal upon maturity period,  so the bank will automatically adjust the fd rate accordingly right due to OPR increase right?

Oh... I was not aware RHB 15 months FD pays interest every 3 months,
3 months interest pay out is quite tempting..

Pros for RHB 15 months:
(1) Pay interest every 3 months

Cons for RHB 15 months:
(1) 3 months hold period in CASA (need to chase one more musical chair )
(2) Merging issue

Versus
Affin 15 months: 4.05% pure FD

Conclusion:
RHB is good for big amount of FD
Affin is more straight forward and less headache

Thanks for the info 

All our members here are rich and famous professionals (but excluding me), they will provide
accurate and update information.

Top Goat, I think the only advantage of RHB is merely their 3 months interest.
If let me to choose OCBC, Affin or RHB? I will probably choose like this:

(1) Affin - I prefer shorter tenure now
(2) OCBC - if I have no choice
(3) RHB - This one..? Ai..    Need to think about it first..

2 days ago Went to RHB inquired on the 15 month step up FD. Average up the FD for 15 month is roughly 4%. The plus side of their step up is you can stop anytime after 3,6,9,12 months.

For simplicity calculation and ignoring the 5% FD in CASA,

3 months  <3.48%
6 months  <3.58%
9 months <3.68%
12 months <3.78%

5% FD in CASA should not be a concern. With the banks competing for FD, who knows after 3 months there will be a better offer.

For 10k FD, 5% means only 500
For 100k FD, 5% is RM5k. Should not matter much if there is a drop in FD rate when mature.

My RHB FD mature tomorrow. Most likely I will go for 12 months if their 3.88% FD promo still available.

Called them and the staff said it's eligible for OMG and currently 2X chance as part of Merdeka promotion

Much choices to make..  I wonder if the same promo is available at Affin Islamic bank..

Like gsc mentioned, the 5% is just a small amount, so it can either be IBGed out or put in e-FD.

True, long term would be rewarding, only a hassle at the moment.

I doubt RHB 3.88% for 1 year is still available..? 

Analysts say OPR hike likely

BANKERS and financial analysts expect another adjustment to the overnight policy rate (OPR) by year-end from Bank Negara Malaysia, and Standard Chartered Bank Group Wealth Management chief investment strategist Steve Brice says one should be looking at November as the time for the possible announcement of another rate rise of 25 basis points again.

“We are looking at a November-ish date for the next rate hike, but we don’t believe this is the start of a massive tightening cycle, here.

“Probably, there is one more to come and that is most likely it,” he said in an interview yesterday.

http://www.nst.com.my/node/20337

those with FD happy, those with loans 

Sept kinda too near, Nov is quite good time if BNM do change the OPR then

I will take at least 3 months because I think banks will take time to respond
to OPR change; furthermore it is quite tiring for me to keep track and update
my FD every month.

If you have taken up the stepup FD to 12 months, you most likely will not cash out becos the next  3months you will get 5.38%. So effectively u get > 4% even with the CASA thingy.

Renewed and top up my RHB FD for 12 months at 3.88% yesterday. The step up after 12 months will get slightly less than 3.78%. This is because of the 5% FD to be placed in CASA.

At. RHB now.
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yup, Nov BNM meeting there's might be some changes in OPR rate 

those with loans   

Could the the last one tis NOV, after than maybe maintain for some period to see the impact of GST & others