isn't that apply to funds from the 3banks only ? i dont have account there 

I tot should be HQ to decide not branch based. More of whole MBB quota instead of branch based. 

I see.. so then the MBB 4% upfront FD quota already finish whole of Malaysia 

I see.. so then the MBB 4% upfront FD quota already finish whole of Malaysia 

Already V7?  I thought the thread was closed and unable to view. When I asked Lowyat why the thread was closed and get the reply that I closed it. They thought I am Gen-x...real funny

Anyway just wanted to share some update on interest rates.

HL FD 12 months 3.95%
UOB promotion for 10 days only, got this info when I dropped in last Friday, 12 months 4.05%

I think is more of the attitude & service of the individual branch though quota may ultimately be from HQ.
I just called sea park branch & they said still have but must either use cheque or bank draft from either of this banks.

EDITED: My bad, I did not read carefully 

I reread the question and it should be considered as fresh fund as it's the next day.What bank was that which did not want your mum's money?

I know some have even deposited the money withdrawn in cash form on the same day but redeposit it later with different teller.

If your mum has a cuurent account with another bank then very easy top solve the matter you mentioned.

1. FD maturing with Bank A.
2. Before uplifting the FD with Bank A. Write a Cheque from Bank B and place a new FD with promo rate.
3. After getting cert for item 2, uplift/withdraw matured FD in cash form.
4. Go deposit cash info Bank B immediately, same day if the current account got no funds in it!

Another alternative instead of withdrawing cash mentioned in item 3 and making sure that the money is credited into Bank B on same day is perform GIRO before 12.30pm. To learn more about this, click here to my article A Little Bit Of This and A Little Bit Of That Vol.1, Chapter 4 and scroll down to InterBank GIRO or IBG Transfer via Over The Counter.

Similarly for the 4% upfront interest. Some MBB branch may just ask if u have acct in the 3 banks. Just few posts earlier, another forummer said the MBB branh did not even ask ! 

I see.. so then the MBB 4% upfront FD quota already finish whole of Malaysia 

just back from mbb kl main..12m 4% and 3m 3.87% also ended 

wats the next alternative for 12m and 3m ar ?

NOT TRUE!!! I just came back from MBB Kepong Desa Branch, manage to add another 50k into FD.
The quota is still there, it is all depends on whether the branch want to do for you or not.

Yes, cheque accepted. For HLB be careful if you are placing for HL Islamic FD, the effective day is 2 days later. You lose out 2 days interest !

Want to ask, say for a bank A which required fresh funds for fd,

Day 1 : Withdraw RM20k cash from bank A.
Day 2 : Bring back the RM20k to put fd in bank A.

Does this count as fresh fund?

Cause last time my mother wanted to put FD, she did that and the bank people said cannot. Actually is not allowed.

By right, can. But some banks/branches are stricter. I remember being told that some customers withdraw cash, take another number, and deposit the cash as fresh funds, andden that bank disallowed doing that already.

Best way is to RENTAS out and issue a cheque from another branch. Or withdraw the cash and try another branch. But you'll be carrying the large amount of cash around la.

Already V7?  I thought the thread was closed and unable to view. When I asked Lowyat why the thread was closed and get the reply that I closed it. They thought I am Gen-x...real funny

Anyway just wanted to share some update on interest rates.

HL FD 12 months 3.95%
UOB promotion for 10 days only, got this info when I dropped in last Friday, 12 months 4.05%

Ok, thx for the info. Managed to put in some FD in HLB @ 4% for 15 months. 

wan a bodyguard?     

wan a bodyguard?     

Lol. Don't need. I prefer to do GIRO, write cheques or get a bank draft.

He looks like a real body guard with Russian connection ! 

Ha ha.. Maybe later becomes from Russia with Love..? 

Don't know if CIMB, RHB and MBSB are aware of MBB "Attack" FD plan or not..? 
If they know, will they take action to revenge or not..?

He looks like a real body guard with Russian connection ! 

MBB eFD can uplift before maturity, personally tried that before.