Any1 use Public bank to manage their deposit online? Do i still need to go the bank next day for deposit cert?

Don't know whether this has been mentioned here or not.

Heard that FD rate etc will be reduced as from 1 Jun 2015. How much I do not know.

I thought the last BNM meeting agreed to maintain the existing rate.

Cheerio.

any branch will do? or must be the branch i register my account

ok thx! btw i must go collect my self? can i ask some1 collect on behalf of me?

I tot u get 2k today?

Sigh, I missed out SCB FD promotion (4.5 % for 15-month tenure) and Affin FD promotion (4.38 % for 24-month tenure). I glanced through the first 2 post of this thread, and the current rate of about 4.2 % is not as attractive as SCB.

My desired FD (with PIDM):
Tenure: 1 year or more.
Amount: RM 5000 to RM 10000
Desired Interest Rate: Same or more than 4.2% 
With no requirement of having some money in CASA.

I have narrowed the options to CIMB, Public Bank and OCBC.

1) As for OCBC (effective interest rate is 4.2 %), it is mentioned here that the interest earned in the first term of 180 days will be automatically added onto the principal and rolled over to the second term of 180 days. So, is it applicable as well to CIMB and Public Bank?

... the cert is just a sort of verification or reminder, you will still require to produce your readable chip "mycard" to close your fix deposit. I think the cert and "mycard", with your authenticated signature verification is needed upon closing or withdrawing a deposit; but its still best to replace the lost cert because its pointless to have any complication when the time comes to close or withdraw your fix-deposit account. The account holder is also needed to be personally present with a readable "mycard" to replace a cert. No representative is allowed unless is a joint account. Readable "mycard" is the only way to have any official standing with any banks these days ...

Actually receipt is sometimes better for forgetfull people.

OCBC and UOB don't need the receipt, but they will ask you to destroy the statement. Stories from OCBC RM saying people forgot they actually uplifted the FD, but still keeping the statement, then go argue at bank. Unbelievable...but still...HaHa.

Alliance Bank for PB customers, just sign indemnity form saying you lost your cert, for non PB i think need to make police report.

HSBC FD are statement based. Cert is not available.

Thanks, cybpsych and bbgoat for the generous advice.
So, are you saying that OCBC FD suits me better? Yeah, I want the effective interest rate to be maximized, so I am fine with the interest added to the principal.

Bro, for convenient in the event of emergency, I prefer Statement Based FD. However, with Statement Based, every months I get tons of statements from UOB as I have so many accounts with them.

And Bro, I so "gatal" that I just got myself the Maybank Premier Wealth MasterCard Debit Card. However, with me having this card, I need to maintain the minimum AUM or else I will have to pay RM800 fee!!! However my RM told me don't worry as she can always waive it and she assured me that I will get new FD Promo rates in the future without needing to meet the "fresh fund" condition. To see the card - click here to my article title My Maybank Premier Wealth MasterCard Debit Card and Eraman Privilege Card PLUS Maybank Deposit Products to Pay Your Credit Cards Bills.

REPO? I have read his blog but never come across REPO

REPO is aka money market

Unlike u, i dont have unlimited funds 
Earliest fund available is Aug Sept so may look see look see first. If got other promo equivalent, then u not scared meh !

Not interested if diff only 0.05% with PIDM banks 
I have 0 deposit in BR at the moment. Other investment stay dont simply touch.

Rate increase a bit from 4.10% pa now

I already have eAccount, so I am not eligible then?

Can old customer close account then sign up again? Haha.
Shouldn't just limit to new customer.

Ah Sir, unfortunately.. Ringgit Plus said this cannot be done like this, close account also no use.
Only new customers can participate to entitle for the gift.. 

I was worried UOB would close my FD account because I did not place FD with UOB for a long time.
It is so troublesome to re-open a FD account (for example like photostatting IC..  ).
So few weeks ago, I put minimum RM 500 at FD board rate 3.3% for 1 year with auto renew.

No, I do not have UOB saving or current account.