Affin back. That's weird. The last time I placed 9 months FD there, they didn't ask me to keep my SA active after 6 months wor.

After FD due, I withdrew everything and close the SA.

Any link / site to read more about Klibor structured product?

Aiks, aren't 2nd round opr might coming on Sept 18? Bro so fast deposit for 15 months?
Weird leh.. last week deposited 3 month FD in affin as well, but does not require SA or it is promotional??

Yes, callable means the bank can call off the deal anytime. Instead of locking your funds for 5 years, they might call back after 1 year. Interest is usually paid quarterly, so after one of the interest paid, they will credit all your capital back to you also. Then you go find other things to invest in.

u got a point there.. either way, still earning so 
thanks for the info.. but u do have big tolerance, 15 months.  even 12 month i also  but thats just me.. impatient 

2) BR don't issue cheque/bank draft when you want to uplift your FD. Either will transfer to your existing BR saving account or others bank account. RM2 charges applies.

I did not ask about after transferring into the savings account though but should be the same case, should be some new policy as one of the teller said is in line with Bank Negara's direction to reduce cheque usage.

from bank rakyat how to transfer money to MBSB.

banker cek?

I am worried what if the MBSB rate suddenly goes up in Nov..? 

The contents inside BR hamper are mostly cheap junk food; I do not know it is worth the time
and energy to pick-up the hamper or not..?

CASA/FD interest rate > Inflation rate

Do we have to open a SA when place 15 months FD at 4.05% in Affin..?
Why do we need to open a SA? And some more RM 110 to open a SA?
How did you use IBG to send your RM 100 out from Affin SA?

Next week..?? 
An exciting moment hah.... 
Please share with us after you place your FD in MBSB..especially gifts..

UOB FD promo bundled with free luggage from Groupon:

Saw this luggage picture from another forum:
Luggage brand is Bayers, hard type luggage:

Another OPR hike: Too soon?
http://www.thestar.com.my/Business/Busines...nground-sentim/

Of course I am worried if 4.7% is suddenly no more available.. 
But I have another issue, I need to take my blood test first then to decide whether if
I can last for another 5 more years or not.. 

why cannot last 5 years?
time flies,5 years zoom zoom past.

No need the get the ATM card for each saving account; for me, one ATM card for the
purpose to withdraw money is good enough already

These are the 3 scenarios about the influence to MBSB 4.7%
(1) This is what I think, I could be wrong:
Regardless of the OPR will raise or not in Sept and Nov, MBSB most likely will not
revise their 4.7% when they are still in the middle of negotiation with CIMB and RHB.

(2) This is the fact:
If MBSB, CIMB and RHB can merge successfully, then a new bank will form officially
on 1 January 2015.  Then this 4.7% FD will be not be offered anymore, but all existing
4.7% accounts prior the merger will continue until the maturity date.

(3) This is the fact:
If MBSB cannot merge with 2 banks, then MBSB is still offering 4.7% as usual, and
this is possible that MBSB will revise their 4.7% based on the OPR change.

Conclusion:
So will MBSB merge successfully with 2 banks or not?
MBSB staffs say this is a big possible that MBSB will merge successfully,
I think we should go ahead to take 4.7% now before it is too late.. 

What do you think?
I think so.. Ai.. just go ahead to put at least some money since 4.7% is available now.
This is a gamble I think we should take. 

Yes, I mean just need to get one ATM card from one bank is enough even if we have many
saving accounts from various banks. Because each ATM card's service fee is RM 8 per year.

No 5 years anymore, but maybe for 1 year FD if the rate is attractive.

What’s the Cost of Comfort?
In some cases, the cost of comfort is readily apparent. For example, lower yielding
investments generate less cash, which means fewer dollars in an investor’s pockets. In
addition, a concentrated position of fixed income investments jettisons the safety net
provided by a truly diversified portfolio.
Furthermore, as the popularity of safe assets like Treasuries has grown, so has their
price tag, leaving little chance of appreciation. The result? In our view, overpriced
assets with underwhelming returns. Summing it up, if an investor’s lopsided portfolio
leans heavily toward safety, yield may be lower, income may be less, long-term risks
may be greater and safety margins may be thinner. Where’s the comfort in that?

for bsn, must get atm card and pay RM8 yearly to access internet banking

Add 5 years to your exsting age and if it is near to EPF withdrawal age limit, EPF can be a good choice as the interest is much higher than bank interest rate.....EPF is MBSB major shareholder if I am not mistaken..EPF also share holder of RhB..

When you place your FD in MBSB, can you try to ask MBSB when you withdraw your
big fund FD, can you withdraw from the branch? Or MBSB HQ has to wire you the money
instead? 

Last time MBSB had to wire money to my sister when she uplifted her matured FD.

Bro, you did a fantastic job compiling the promos 

I just got back and happy to note UOB offering 3.7% for 6 months. I have several FD which just matured with UOB. Called my RM and she said she will give me this promo rate with my existing funds. No need go waste time transferring here and there.