I got Barbeque set and RM20 lucky dip on 7/1, Penang branch. Not sure if your location has all the lucky dip taken up.  But 2hrs is a long time, meaning a lot of people or their system hang ? 

In terms of efficiency, agreed with you that AmBank system is SLOW ! 

any idea what is the penalty clause if close lets say after 6 months, how much interest would you still get if any?

reasons: step up would be a better consumer choice to avoid lock up.

I create the 36months fd also but they didn't mention of create saving account. Does it mean no interest  for me?

Many commercial banks offer Foreign Currency Deposits. Go to UOB, OCBC, Citibank, CIMB, etc websites to see currency being offered. You will note that the interest rates varies and the one offering higher rate may have higher conversion from RM to currency of interest. For example, OCBC 12 months interest rate for AUD may be lower than RHB BUT RHB conversion rate may be higher.

My choice is Aus$. Ocbc last year have the promo of additional 5% for 1 month foreign currency FD. I took it up and make slightly better than FD rate through the gain of currency conversion. Please check with Ocbc is the promo still on.
But you need to monitor closely on the exchange rate and be prepared to uplift before maturity to capitalse on the exchange rate gain.

If my mach hlb fixed deposit is maturing today does that mean I can withdraw it today or tomorrow?

Most banks FD same date as personal check deposit date for FD.    Encountered HL Islamic FD effective date 2 days later (for check to be cleared). 

what?   if suddenly needed the money, need to withdraw No interest. it's like giving free money to SCB

received called from UOB offered personal instant approved loan at 3.99% per year for only a year term. I was thinking of taking it up and place into SCB 4.5% FD.
I saw some one mentioned SCB offer end of Jan.But you mentionrd that you will call SCB this Friday on second placement. Does this mean SCB offer is not end Jan? tq

Wish BBgoat in advance prosperous goat year....goat + goat =Huat Ong Heng

Anyone still remember the RP's promo on Mach FD mid last month? I almost forgotten about it.
I received SMS yesterday ~3pm that says I won the RM200 Petronas Gift Card! 
My wife got it too. Double bonus. 
I placed the minimum RM1k only just to take part on the promo. 

Yup as interest income is filtered 

The big winner is Low Yat Group boss. The rich get richer.

You will get welcome gift when you place your first FD or each time when you renew your FD..
But cannot guarantee will get hamper during Chinese New Year
Not really, this depends on branch.
Last time, one BR branch officer told me one of their their top FDs was RM 40K..
I think this is normal.
Malaysian FDs are aiming for Chinese & Indian market.
Bumi do not need FD because they have better options.... 

can a FD only be uplifted from the branch you made it or you can walk in to a branch in another state and uplift it ? i got a FD in my hometown maybank which matured recently....but no time at all to go back

Just to clarify the EPF self contribution thingy:-

1. Maybank2u sets a RM5K limit per transaction, not daily limit as I initially thought, and as rightly pointed out by diablo2, we can transact 12 times for each RM5K, on the very same day, to achieve the RM60K limit:-
2. MBB cheques of more then RM5K can now be made to EPF - I've done this last year.
3. EPF has set a RM5K daily limit for cash deposited OTC. However the m2u RM5K x 12 times can easily override this!
4. For both cash & m2u deposits, the EPF "clearance" date is the next working/banking day. However a cheque payment to EPF will take 7 working days to "clear".
5. It has been established that the dividend for any deposit made during the month starts on the very last day of that month, provided the next/7 working days "clearance" is within that month.
So after the maximum RM60K EPF self-contribution, it's now onto SSPN (or PTPTN) max dep of RM6K, mainly for the tax relief but the 4+% interest does help too... 

Here's the link = http://www.ptptn.gov.my/web/english/savings/gen-info

Basically, as a parent, you can open a sspn a/c in your child's name and get a tax relief of RM6K till 2017.

For 2013, the interest was 4.25%. Have to wait for the 2014 interest announcement, probably in Apr 2015, & hopefully it's still in the 4%+ range.

more at https://forum.lowyat.net/topic/1819492

cheers... 

Guys I'm at cimb opening FD account 4.15% for 12mth. However the staff recommend me Islamic FD which is 4.2% or even better AManah saham gemilang which pays 6-7% at least.
Now my question is what's the difference between Islamic n conventional FD. And if ASG pays so well why ppl still keep FD?

My personal experience with Bank Rakyat:

my FD matured on 28/2/2015 (Saturday), but the bank system has automatically extend the FD maturity to 2/3/2015 (Monday). Then the bank paid me additional interest for the 1/3 (Sunday) and 2/3 (Monday).