Cause my parents making will. And they do not want to pay lawyer anymore if place new fd (you need to pay lawyer to update the will)

So if they put new fd in say scb, scb will give them new cert with new account no. So if they update the will with the new fd, they need to pay lawyer.

That is why they want to know if they can get all same account no from the same bank. That way, no need to pay lawyer.

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?

weird. maybe next time add RM1 

Great News, PBB increased their promo rate today, effective rate: 4.05%pa
https://www.pbebank.com/Personal-Banking/Pr...A-Campaign.aspx

Nope ! Banks wouldn't practice that. Because you will curse the bank kaw kaw if the bank drop your second 6 months deposit rate instead of 4.38%......if OPR drop. 
If you already made the FD placement today, you will get the advertised 4.28% on your first roll-over six months later regardless of changes in OPR.
If you haven't make any FD placement yet, then the 3.83% + 4.38% advertised rate is subject to revision should there be any OPR changes.

Really good PBB allow your matured FD money to be deposited for Promo. Can't you open a stand alone Savings Account yourself for the interest to be deposit into... I must go read the PBB's T&C. I know for Alliance Bank, I can credit the FD interest into any of the cert's named person individual savings account.

Inflation is already here ....
How long can the gahmen tahan? 

guys, got some simple question..
Assume you got bank 1 bank 2..
if you wanna make FD, and u require to open acc as you dont have the bank 3..
u wanna open in bank 3 as the fd is better promo..
so you guys withdraw those cash and open in another bank? or any other way which is better?