Ah Goat Sir, monthly interest is for 50 years old and above.. 

Just went to UOB. No new promo yet.

Have you read my reply to Ah Boom on young grandfather ?   

Oh, thank you for your reminder ! Forgot about EPF, need to move some bullets to there. 

Wow, such a drastic action of moving funds out ? 

Yup, both the CNY and Christmas promo are still available

You lucky soul, I was thinking that the 4.2% not available. Will put some bullets there soon !   

How should I protect my FD if something unexpected happen to me ?

for banks like UOB and OCBC, you only need to register your details once. Depending on how you term it, just a single person can do the upliftment, else it beats the purpose of having a joint FD if something happen to any of the holder.

This afternoon when to HLB. Have a FD maturing on the 29/1. But I won't be in malaysia on 29/1. Ask can I transfer money to my mother's account upon maturity so she can put affin 4.38 for me as we have a joint account. HLB said cannot. Then asked how much if I were to remove the FD, they are going to only give me say 3 months interest despite the FD have been put for almost 11 months already. This FD, the interest is credited monthly into my SA. So what happen is they are deducting 8 months of interest from the principal if I withdraw today.

Asked the officer in charge (behind the desk, not counter workers), apparently you can write a letter of authorization and upon maturity, the money will follow your instructions. So in this case, I can transfer the principle upon maturity to my mother's SA despite not being in Malaysia at that time.

By writing a letter of authorization, I won't forfeit my 11 months of interest and still able to uplift it upon maturity even though I am not in Malaysia

Just want to report the above incident. Could be useful for some.

can i transfer other bank funds to open another local bank fd account? [non cheque]

how it work?

Actually can if you have a saving or current account there, but will not be eligible for fresh fund FD promo 

Well they told me can. Need to use my IC and scan my thumbprint like normal withdraw. After that, they take the cert

Gen-X RM5.15/cheque

just opened HLB Junior FD 24 mths 4.28% for my daughter and son using existing fund. Their SA's interest is 3.05% (equivalent 1mth FD board rate)but max RM50k.

For RM100k & above got a Trolly Case per child on 1st come 1st serve basis but must b fresh fund.

RM100k for fresh fund Junior FD got Trolley Case

fund in Junior's SA interest is 3.05% p.a. but must not exceed RM50k

Passing by BR. Went in and was given a calendar, backpack and eco bag.

Was told that for Pg, with BR Exclusive Card no need to queue up. Also nego rate is available now. 50k may be able to get nego rate but 100k is better.

Looks like BR adjusting their strategy to retain customers.

captain, OCBC FD is statement-based but also issue cert as well.

Alright thanks. Getting jittery with BR and with other banks giving higher rates, so will be doing this to 50% of my BR FD this year.
Good info. Thanks

Boss  , my phone's camera not that good. Was thinking of scanning to get better/clearer T & C. Anyway please see attached. 

Hey Big Magician, are you sure you used the right word "fag" ??!!    "fag" is offensive !!   

No idea on that. But the form we fill up for the deposit I don't think there is option to specify that. Likely cannot specify that. 

@magika, what do you think ?