juz realized got news report regarding higher export for April & it's add pressure for rate hike in July & Sept

Me small fish only unlike others who have way more than I 

What do you mean by:
"However cannot link to Internet Banking so
very difficult to personally go-to-and-fro."

Do you mean eFD ? 

... I personally think there is no issue asking for assistance from any banks if encounter with problem these days. I have never encounter and banks refuse to help me -- except giving me misguided information due to their standard of expertise which frustrated me at times ...

When I opened the 3 mths FD @ 3.6%, I asked to be paid at the end of the 3rd mth; hence no need to open the SA. 

I took some big time money out of the BR to place elsewhere. Because I don't think the bank is in good hands anymore..Since the Deepak fellow can get free interest loan on RM32millions.... Maybe not safe anymore, last time they were giving more Interest rates... now only 3.90%PA for 12mths.

Whereby the AMBank can give very close... I got some at Hong Leong at 3.76%. Even got some at StanChart at 3.5% for 6months... OCBC also can get 3.78%. BR is bleeding now.... They cannto attract any more depositors ,since their rate is no longer good and its not Insured like other Banks...

Ya, agreed with you, I also hate to juggle with many bank accounts. Have been trying NOT to open new accounts when some banks are having FD promotions. Now I am using Excel to track my bank accounts and FD maturity dates. 

Yea same. Especially last time OCBC one. Close many SA there already. Haha.