And, can we ask for the rate higher than 4.33 %, only if we place an amount much higher than RM 10k, right?

How large is large? Can RM100k qualify?

100k is good enough to increase the rate by 0.05%, 0.1% p.a if lucky

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)

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

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

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...

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..

RHB: FD Bundle with ASNB VP Unit Trust
(1) 3 Months at 7%
(2) 6 Months at 7.8%
Are these good deals? 

Their VP Funds return namely ASN3 n ASG range from 2.07% to 3.20% pa @ 31/3/2015 n the returns is b4 deduct service charges

Most likely is for the first year. As some said, you need to hold this for at least 2 years to make profit. 1st year, they charge you 5% upfront tax. Which effectively lowers your dividend/interest to 1-2% for that year. But we need to factor in the NAV as well.

really not keen to have tis Bundle ASNB fund with FD thingy..

FD should juz be pure FD.. don't mix with others investments products

juz my opinion 

Banks offer high FD rate in order to entice depositors to take up UT products

UOB is customer oriented...I have been using the same approach on Ocbc FD for more than a year but the RM never asvised to top up. Either it is Ocbc policy very strict on fresh fund or RM unwilling to help. My RM was promoted recently, the new RM not even bother to sms or call to show her presence. Comparatively UOB RM ringed up to introduce herself and asked to drop by when free.....

Good Morning, Ah Sir..

BR is abnormal today, I just checked my iRakyat account, I have not received the monthly interest..
Have you received yours..?

About less than 2 years ago, BR credited monthly interest right after mid-night like 12.05am; then they
changed to credit interest at around 7.00am...

Mine has a problem so far... 
I just called BR, they said would fix it...

BR staff said they have this FD promotion:
1 year at 4.25%
25K minimum

In BR today, after the previous Sunday makan makan and winning a lucky draw. 

They will have a new promo starting Jun 1st to 30th. 12 mth 4.25%, min 25k. Have monthly interest as usual. @magika, interested ?? 

Confirmed that they are now charging RM5 per year for co-op card, RM8 for the other card.

Also called CB to place some short term FD. Liked their phone banking as convenient to place and uplift FD. Except their rate is bad. 

Concur 

It's worth keeping a CASA with Affin since they've been consistently introducing competitive FD rates.

Sorry for the confusion. for Ocbc i always IBG out matured FD and place a new FD with some top up using personal cheque. The similar approach you did at UOB. UOB later allowed you to top up instead of Rentas out. My Ocbc RM should have allowed me to top up too on the matured FD.

Bottomline I am trying to say UOB is more understanding and customer friendly.

Ah Sir, so far I still have not received my FD interest from BR... 

I called BR branch again just now, the BR officer said HQ sent email to them yesterday and this email
said that all BR branches nationwide had problem to credit FD monthly interest. I suspect this officer
lied to me since you said that you had received your FD interest yesterday..

This BR officer last time made me so mad that I had to fax her a letter to remind her to credit my
monthly interest manually, remember?
I am not sure she is lazy or too busy? But I can tell she is not efficient.

Yesterday she asked for my IC number, and this morning when I called her she asked for my IC number again,
so this means that she did not do anything about my case yesterday..

At last, she promised to call HQ to rectify this problem wor.. 

No problem for me.. in fact i just use affin online to pay my credit card bill.