I guess it is about time for me to open a True Savers account, been delaying and forgetting about this. Since there is an AmBank branch in KL Sentral where I work, I think I will drop by soon.

So, I saw it online is RM 20 minimum will be required to open this account right? I guess I will just open one account and transfer my fund via GIRO from M2U. It is not like Maybank's Saver account which requires minimum 2k to enjoy the interest right? If that's the case, I will transfer most of my fund in Maybank to this AmBank.

I will also get them to set RM 0 for my debit card transaction which I do for my other cards as well, I always feel insecure using Debit Card here.

Is doesn't matter which branch. This is because the placement is online. You will just have to select term Islamic deposit online.

Two way I maximise interest given by Ambank is say I need to withdraw from maybank on Monday, I will IBG the money on Monday only. If I IBG on Friday, I will lose 2 days of interest. Best part is the IBG is FOC.

2nd, transfer all the money from true transect into true Savers to get max interest (true transect have no interest)

Also, with some maybank account, you can just keep rm1 inside, no yearly charges. Maybank ATMs are more commonly found compare to Ambank.

Yes, these days ATM cards come with Debit Card. I just request bank to set the limit to 0 for debit card purchases. So, it is pure ATM card. For e.g. my Maybank card.

Me too only keep Maybank in my wallet now.

OCBC doesn't seem worth for it based on above post.

1st, for ambank, there's no need to deposit monthly RM1k to get the 3.05%. Any amount inside will be given 2.8%

2nd, for OCBC, you CANNOT WITHDRAW or else your interest will drop to 0.5%p.a for that month.  (not sure if it also includes the duration before withdrawal - the 0.5% interest) With ambank you can withdraw 3x/month. It doens't affect the 2.8% p.a interest. Kinds of defeats purpose of a SA when you cannot withdraw.

3rd, seeing that one cannot withdraw every month and need to topup RM1k/month, better go for ambank islamic efd (min Rm1k, earns you 3.15% compare to OCBC 3.05%). But if we are talking about OCBC 3.9% smartsavers than is a different story... However I am sure the withdrawal condition still exist for OCBC 3.9%

4th, max withdrawal of RM25k/year. You want to withdraw more, need to go to counter. Ambank withdrawal have been raised to RM50k/transaction . Btw, ambank now have instant transfer. But I wouldn't use instant transfer anyway. Use IBG as the money still will go in on the same day if one were to IBG early in the morning. Only different time. Ambank true transect gives free unlimited IBGs. 

Too many complicated t&c makes OCBC unattrractive.  Now, if only they remove the 0.5% withdrawal effect and impose say 3x withdrawal/month, 

I think it only applies for new account. So if you got account. Close it and reopen a new SmartSavers. Is not forever but a short while (promo)

Same thing as in order to get the free IBG, free 5x MEPS, one should transfer from true savers > true transect

Upon opening a true savers account, one will accidentally automatically have a virtual current account - true transect.

The debit card is linked to the true transect account.

took out RM100k, but pay RM2.80 cash..to avoid...3 entries to True acc SA...penalty >>3 withdrawal...

AmBank True Acc..with Savers and Current Acc..

IN savers,u can have only 3 withdrawal per month...anything above..will be charged RM5.00 + 6% GST i.e. 0.30.

They insist that u deduct from the savers acc, instead of paying cash for the banker cheque..

Thats how they earn from your mistakes, means if u pay the bankers cheque & deducted fr ur savers...u will be withdrawing 2 instead of 1...means RM2.65 for ur Banker cheque & 6% GST...how dirty trick is that...
so becareful...if u have withdraw more than 2-3 times..