I called to UOB on Jalan Ismail again, A Malay leng Lui said min placement is RM 10K.
He should be called Double Magic.. 
x bank Manager: Why our recent launched 4.1% FD promo has no response?

x bank clerk: Boss, I think because of xxB offers 4.15% for 9 months

x bank Manager: Really..? Damn it..!! But how do you know about this xxB FD info?

x bank clerk: From lowyat, Boss

x bank Manager: Really ah.. Where? What URL..? Quickly lah..

x bank clerk: Let me type the URL address for you, Boss..here you go..This one..you see..

x bank Manager: Wah.... Those people compare FD rates like this ah..?? Then how do we cari makan..?

x bank clerk: Ya lah, Boss, some more they call this technique as Musical Chair wor..

x bank Manager: Magical Chair..?? What's the hell is that..? Oh.. You mean this guy name by Uncle Magic and Super Magic..? Somemore upgrade to Double Magic now..? Is this David Copperfield trying to sabotage us?

x bank clerk: No lah, Boss, it is Musical Chair, not Magic Chair

x bank Manager: I don’t care what kind of chair is this Magician sitting, I am just only worried I will not sit on this chair any longer if no fresh fund coming in, I do not want to lose my job..

x bank clerk: Ya lah, Boss, we have to do something otherwise we will lose out..

x bank Manager: Okay, we do like this, we launch one Christmas FD promo at 4.2% for 1 year and hit this David Copperfield gao gao lat, effective now..  Wait.. I also want our FD banner to advertise on lowyat and get the banner rotated 24 hours non-stop just like BxN.. . Ai..very susah cari makan nowadays..

Ah Goat Sir, I already changed my SCB FD cert to Instruction 3 about 2 weeks ago..

Got.. BR got 5 years FD, 4.50%

Now I have to decide RHB 9 months or UOB 4.2% for 12 months...RM25 difference for a year for 50k FD. 9 months will be RM18.75 less for RHB FD after 9 months.

If when RHB FD mature after 9 montgs and there is a FD rate of 4.35% for 3 months then only I will get RM18.75 back or equivalent to UOB 4.2% for 12 months. In short it is better go for UOB 12 months now provided no higher offer after this.

I just called to Pudu branch, according to them, minimum placement for
UOB Christmas FD Promo is RM 50K.
So, your mum is correct..

Minimum placement for UOB Chinese New Year FD Promo is RM 10K

Not sure about May bank. For public bank, I just told the counter withdraw from my saving and place into FD account. The most friendly bank on fresh fund. For UOB I withdrew and added on some cash.

it seems like Affin FD is not that famous and seldom people here put into it?

My FD matured on Saturday, BR put the maturity date on the next following Monday.
I noticed BR paid 2 days interest (I think for Sunday and Monday) to my iRakyat account.
UOB told me they do not pay interest for last day of FD, because they are aware that we will withdraw the FD so no
interest for last day of FD. Is UOB doing it right? 

The cheque is from different bank? With this method all banks considered this as fresh fund.

Surprisingly that day Public bank allowed the existing saving account money as fresh fund for FD placement

if the housing loan no flexi, after dump money no more refinancing?
can we dump money into EPF ?

Ah Goat Sir & Double Magic,

You guys still want to put self-contribution money to EPF early next year..???
For me, I am quite hesitating wor..

Its already too late to move RM overseas , for me it still is on at the moment. Still beats banks rate.
If hesitant then only considered later half of the year. U no scared meh..

Just came back and checked (online and calling CS) latest FD promos with the banks.

I just updated my Fixed Deposit Page. Alliance Bank now offering 4.1% 12 months for their FD Gold, which is lower than in November 2014 and instead increased their 9 months FD promo to 4.15%.

Noted more banks are offering higher interest rates for FD Promo for less than 1 year tenure. Maybe this is because of the uncertainty we may face in 2015 in view that oil price has dropped tremendously in the last few months and this will have direct impact on many countries including Malaysia as we are dependent on oil. 

I am wondering if I should go lock in 4.15% with HLB Juinor FD for the next 2 years or go with UOB Christmas Promo until 24 Dec 2014 4.2% 12 months, minimum fresh fund RM50K. But then again, with our Ringgit depreciating, I may end up with less purchasing power in 2 years time. And what if the stock market dive further, another lost in opportunity, decisions, decisions...... giving me a headache.

But I had experienced twice that when I wanted to IBG money from iRakyat, I had to get the OTP from BR, in less than a minute, BR sms the OTP to my mobile phone.

Ah Goat Sir, I was required to get my second or third OTP during early May 2014.
I am not sure if this is coincidence or not, I was required to get OTP after I changed
to a new PC motherboard and a new hard disk.
After this, I do not need to get OPT anymore until now.

I cannot remember how many OPT I was getting so far, but I remember
should not more than 3 times.

Fresh from Ambank, 36 months 4.5%pa

Good to know they extending it and lowered the minimum fresh fund.Updated Post No.1.

i went to standard chartered just now. they told me that the 3 months - 3.75% only eligible for existing customer with their fixed deposit. They say this promo is to retain their customers, meaning new customer like me will not get this benefits.

Yesterday place FD at UOB, the counter girl said if maturity falls on off or rest day, UOB will pay the interest because the interest is calculated daily. If I am not mistaken some members here mentioned no interest payment if maturity date fallson non-working day.

With RHB drops the minimum placement amount, dont mind place at RHB as well.

What you guys talking about I missed it BUT which bank pays you interest on maturity day? System only update from 10.30pm onwards (varies from bank to bank) and if money already withdraw how to pay interest on maturity day? I.e. system shows ZERO balance on that date.

The question to ask is - is interest calculated from the day you place your FD even if your cheque is not cleared - for UOB YES!

Bro, Admiral too many issues on hand like going to the 3 to 4 banks in a day to place/renew new FD, haha so maybe not aware that UOB auto adjust maturity day to fall on working day - interest paid for actual days (can be 364 to 367 days). Same like OCBC where they adjust the maturity date to fall on a working day. Both these banks are Statement Based accounts. For cert based FD, the maturity date is not automatically adjusted on the day we place the FD.

And now even when we go to the bank to place new FD, gsc reported they also want to know our source of fund!!! So far, the banks I dealt with have yet to ask me when I placed new FDs. However, Citibank Malaysia did ask when I opened a Savings Account with them 3 years back!!!

Bro, actually I don't mind if they banks ask where my source of fund as long as no need show documented proof (which then it makes it a big hassle). I am surprised UOB wanted documented proof like you mentioned above. In November I did open a new joint FD account with UOB but my RM's assistant (my UOB RM really busy marketing other UOB banking products and only get her assistant to entertain me, hahaha) did not ask me source of fund and best of all, the new FD account ends with No.8 without me requesting for it, hahaha.

In October, when I placed new FD with Maybank - actually my very first Maybank Account with that branch (open there since got Premier Wealth Centre), my RM also never ask me the source of my fund.

Is that compulsory we must tell them the purpose for withdrawing substantial amount of fund ? I have encountered the same problem before. The staff of CIMB told me that this is the bank's SOP.

You deposit huge amount sure lah the people eyes open big big