As said:
The "large" amt will differ based on the banks, the tenure etc. 
For BR, 50k and above can nego. But at one time, they set it at 100k and above. So depends on how bad the bank wanted the FD.  Their nego rate also depends on the tenure. 

For other banks, may be 100k or few hundred k then only can nego. Sometimes they may tell you this is already the best rate, no more increase possible though you put in 300k and above. 

What!!! I never knew we can negotiate the rates. 

How to do it? Just talk to the officer at the counter? 

Does this apply to promotional FD?

What!!! I never knew we can negotiate the rates. 

How to do it? Just talk to the officer at the counter? 

Does this apply to promotional FD?

Same la. Guess ones need to be priority member or like bbgoat said, ammount must be "big" and I guess not all banks will want to nego the rates (those cheapskate banks)

Haha, I was thinking of adding one more point and then you asked.

If the counter staff said no and your amt is "large", talk to the officer, asst BM or BM. The counter girl may just say no but the higher level is the one that can say yes.

Promotional FD still can nego based on what I said. But some bank will say this is the best rate. 

No need to be PB to negotiate. Even UOB can negotiate on top of promo rate. It is definitely not a cheapskate bank.    Foreign banks still can try your luck but amt has to be "large". 

Have to be think face too.... 
Great to hear that! 

Guys I wanna ask how does the HSBC 5% FD for 3 months work ?

If let's say I plan to open 3 accounts for family , each deposit only RM5k

A (papa) - RM5k
B (mama) - RM5k
A + B - RM5k

What will the returns be like in how long ?

Yes, the thing is, ASK ! "Ask then you shall get" 

you can only do that promo once, better put 30k maximum in one shot

If like that :

A = Rm30k
B = RM30k
A + B = RM30k

three accounts = RM90k

How much profits can get in 3 months ?

Haha, my face not that thick. Ok, next time will ask them!

Say, if let's say there's a fd which gives 4.5% for 3 months,  then if one wants to enjoy 4.5% for another 3 months, one just need to withdraw and put it in again. So by doing 4x, is it = to 12 months at 4.5% or lower??

assumptions for simulation-sake:

1) 1 month = 30 days, 3 months = 90 days, 12 months = 360 days
2) "withdraw and put it in again" = fund only, excluding interest gained from 1st-3rd placement

then, the interest gained from 4X 3mth @ 4.5% p.a. = 1X 12mth @ 4.5% p.a.

if include interest, you'll gain few ringgit more.

Affin. 4.33%. Just when their 2 years promo 4.38% finish, they come out with 15 months 4.33%. Some more protected by PIDM.   
Wah bro. don't know wei.  Good enough for me if they tell me 4.33% without stupid CASA stuff. I just put. Never ask them anything else or request for more. I am guessing is like all previous promo, affin will credit the interest + principal into your affin bank saving account.

Last time I asked, they said only if more than 6 mths no new FD placed, then acct will be closed. 

You do not have SA in UOB ? 

Need SA in UOB for those FD promo that pays 6 mthly interest (last year Oct promo). Also I was told if we need to do RENTAS or OTC IBG, need SA (probably as a bridge). 

The UOB operation manager (she should be old virgin woman lah...) was very "Guai Lun"...
Few years ago when I opened my first FD in UOB, maybe I was not Leng Chai to her, she checked my
CTOS (I saw my CTOS print-out on her table).

No, I do not have UOB SA..
So far I have never placed UOB FD that needs SA...

Well, I have OCBC leng lui RM Google my name (as I mentioned before) when I joined their PB. But as the leng lui was checking, I was doing my eyetertainment. 

Last year UOB 13 mth FD 4% pay interest every 6 mth to SA.

So you also did not do any IBG or RENTAS from UOB ? Just getting banker's cheque from them ? 

I did not place UOB's 13 months FD lah.. because almost all my eggs went to SCB already...
I have never used Rentas to place FD lah.... Uncle's ancient style is like this lah..