But please do not forget OCBC does not give monthly interest just like what BR does.

The main reason why I put in OCBC because I do not want to put all eggs in one basket.

Do you think if we put a lot money or FD in one bank will make the bank suspicious and they report to Bank Negara or Income Tax department to investigate us..? 

okay..yesterday, i just ask a little bit about premier status and the OCBC girl started to talk about investment products...so scary 

The deposited amount was RM 52K, bank called me and needed to know the source of money, otherwise they would report to Bank Negara, finally I showed the bank my CP30 to "settle"...

Top Goat...please check your iRakyat account, somebody just sent you money.. 

This is my rough guess...

Let's take FD date is 15th April as an example, BR will pay dividend
from 16th April to 30th April (like what I received).

Then effective from May, BR will start to pay dividend every first day of the month
based on 1 month monthly interest..
If my below guess is correct...
If the FD date is 15th May, I think BR will pay on 1st June (dividend from 16th to 31th of May).

Nope, mine due on 7th, no FD interest posted for these 2 days. 
What are your FD monthly due days that get the interests?.

Okay...if you have several FDs with same amount then can't tell.
Err, wait, I think you can still find out by calculating based on daily interest. Time to exercise the brain a bit.   
I guess, if the new interest policy is true, there might be some rules they apply.

But for 10 certs, you are supposed to have 10 transactions/accounts appear on your iRakyat account ma..? 

Let's say 1 cert is minimum estimate 100K...
10 cert x 100K = at least 1 million 
This can tell, because each FD cert even with same FD amount will have one
individual account info appears on iRakyat..

Why except 1 cert? 

When I called to BR branch to ask about the early dividend matter this afternoon,
the BR woman promised to do manually credit monthly interest (as usual for my 1 year FD)
to my BR saving account by today.

I just checked my iRakyat account, she did not do it again... 

So I will sms her next Monday, if she still does not do it on Monday, then I will need to fax
her on Tuesday..

I made a rough calculation, I will lose roughly about RM 0.10 interest per day if this dividend
is not credited to my Affin saving account,   Should I ask her to compensate me or not..?

Should I also include sms fee and faxing fee as part of the compensations? 

You have 10 certs, then you should received 10 interest for your 10 certs.
If your FD due date is 4th, then you should received 27 days interest for April.

So you should see 10 of this S20 009 INTER-A/C TRANSFER on your iRakyat 
That is abnormal if you do not see 10 interest..

I heard 3 different version of explanations about this early profit payment:

(1) At first I called to BR Customer Service at 1-300-88-12265 yesterday, the BR female rep said this early profit payment was only available for 1st of May only.
She is sending me a letter to explain all about this early profit payment, once I receive it, I will post it here.

(2) Then I called to BR branch yesterday, the staff said BR has started to pay FD profit during 1st day of the month..

(3) I called again to BR Customer Service at 1-300-88-12265 at 7.30pm this evening. The male rep said some customers received early profit but some did not. He said: this is BR system error to pay early profit to FD depositors, and BR is still in the process of investigating this issue... 

I believe (3) should be correct. I guess BR system has infected by virus, or attacked by hackers, or maybe a careless mistake has done by BR human error.. 

I have also received Hibah, but the amount is so small that almost unnoticeable..I guess it is
small interest gains from BR saving account...

So I am not going to touch the profit which BR credited to my saving account by their "error"
until I receive BR final notice..

Tried uplifting a 20k BR FD last week in another state but the BR staff told me the limit for withdrawing FD at another branch is 10k...
Today made new FD deposit with personal cheque at the usual branch and was immediately issued the sijil which was a surprise, last time got to wait 1~2 days for the personal cheque to clear... complaint to the counter officer about not being able to withdraw FD at another branch but was told that the new limit is 50k, and 10k limit was old one...
looks like every BR branch has its own rules

Mine seems not impacted...still credited on the dot as before. Just IBG out as usual. 

Captain, I think most banks are waiting for the result of Bank Negara meeting tomorrow..
Hopefully we will hear good news tomorrow since we have had many bad economic news since this year..

I heard a rumor, car loan interest will go up again in June..

I bet you guys are hoping banks' deposit interest rates will go up with BNM increasing OPR. But I'm going to dash your hopes.... OPR will maintain as it is. And my prediction is based on tomatoes, hahahaha. Price of tomatoes has dropped more than 50% compared to 2 months ago and yet there is no substantial increase in demand.

If you guys had read BNM recent statements for this year, there is no indication interest rates will go higher ... actually in the last MPS (march 2014), "moderate domestic demand" was mentioned twice. And as for CPI, click here to latest report and see the chart and you will note CPI increase last few months are roughly same as in most of 2013. The last time BNM increase OPR was in 2011, see the CPI increase then.

For me, be it banker's cheque or personal cheque, I always got the FD cert issued on the same day itself right from day 1 which was probably last year.

In fact, there was once my cheque was rejected due to some writing mistake & I went to replaced it 2 days later but still did not affect my FD date.

You already received 2 dividends based on FD dates few days ago.
Now no dividend on another FD?    Very strange..

I received one dividend based on FD date but it was credited manually by human, not by auto credit system.

I think you'd better to make a screenshot on your iRakyat account for just in case if you need to use it in
the near future.

And I suggest to call your BR branch as soon as possible.