FD cert for each FD should be different numbers. The acct should be the same for single acct. 

Should be OCBC promotion. Please check 1st page.

Ha, interesting. So you normally put for 5-10 years ? Which are the banks that your normally use and getting good rates ? Just trying to learn from the "veterans" as so far I have not put any FD >2 years.

After the 18 months, withdraw and find another FD promotion. 

seems like RHB has improved their 15 months promo;

http://www.rhb.com.my/Whats_New/deposits/s...D/#.U7pHrZSSzyQ

((3.48/1.05) + 3.68 + 3.88 + 4.08 + 5.38))/5 = 4.067%

First FD promo to breach 4% mark but 5% have to maintain in CASA for 90 days

Yup. Any current or saving accounts will do. Unless their T&C says otherwise.

UOB interbank GIRO max per transaction is 500k, no limit on number of transactions per day. They charge me RM1 to GIRO.

Different bank different rules I guess.

Money market and stock market will sneeze then.

Groupon UOB FD Deal

3 months 4% but need to split 30/70 for eAccount / FD.

Free luggage set

Bank will auto renew to the board rate, it will be the higher rate if they adjust it. But some bank may not adjust it in relation to OPR increase or late in doing so. 

Before you bring your FD receipt to B, call up B and ask these two questions:
1. Can I withdraw branch A FD at your branch ? If answer is yes, proceed to ask 2nd question.
2. Is there a inter branch withdrawal limit ?

Different bank have different inter-branch withdrawal policy.

Most banks operate different branches different FD account account.

There is one bank allowed opening account in branch A but can top up or do other operations in branch B. I think it is OCBC bank. Correct me if I am wrong coz I remember I did FD banking in two different branches.

In your case if you have saving account, you need to withdraw from branch A, IBG to saving account and go to branch B to open FD account.
Alternatively you can use banker cheque. Different rate of charges for IBG or banker cheque. But the different is not much. IBG has to be done before 12 noon to ensure the fund is in on the same day.

yes. effective only 70% x 4% = 2.8%

but is it only 5k commitment for 3 months. a very small price to pay for luggage set of 3.

looks like it's closed = http://www.groupon.my/deals/klang-valley-k...uob-1/718683520

wonder if their eFD rate is better than Maybank's eFD (e.g. 6mth = 3.25%)