Wah... you placed MBSB 5yr 4.7% FD quietly ah... 

Have you gotten hamper from MBSB during Chinese New Year?
Or attend MBSB's high tea or any functions?
For me, no.  I have never received hamper nor received any invitation to MBSB high tea or functions.

If comparing to BR, BR is more generous in this area.
Please take into account of the loss of processing fee and conversion rate.
Yes, Ah Sir, I have been MBSB customer for many years.
Yes, I still have FD in MBSB...so far OK.. 

MBSB 5 years FD pays interest semi annually.

No,  FD interest from semi annually will NOT add to principle automatically.

We have 3 options to collect the FD interest:
(1) auto credit to MBSB saving account
(2) MBSB will credit/IBG/TT to any of our bank saving account as we instructed
(3) go to MBSB to collect banker's check

d), and one low quality trolley bag.
No, I do not think so.
Maybe slightly lower than 4.7%.

Let's say my interest is paid on Monday, but Monday is a holiday, so I have to go to collect the check on Tuesday,
but MBSB will not pay me 1 day extra interest for Monday holiday. 
I did not do a calculation, but I guess MBSB pays interest based on straight 5 years basis, regardless of the holidays.

Bullet no enuf , , eFD for short term 3m with few k low amount to put in thr for convenience to manage. BR require 50k for nego rate , waiting bullet mature and enuf first...hehe

Lazy to go over the counter , not more than 10k now.. Waiting my fd mature in oct.

I used ocbc IQ smart saver account with 3% p.a. Lazy to keep open so many acc....

Previously my company used IQ account , the lenglui RM ask us whether want open or not , I kee this account almost 2years...

To entitle 3% , min monthly got to save at least RM50 , if above RM1000 , interest higher , 3.5% if im not mistaken , no withdrawal allowed in case happen , 0.5% only.use the account to transfer to FD account , UT , it will still remain 3% entitle for me , but minimum balance RM500 in average every month or else , penalty of RM5 / month occur.

With the depreciation of MYR against USD, will BNM announce hike in OPR on 11/9 to mitigate the impact which is gud for depositors?

The depreciation of MYR have weaken our economy tremendously
If BNM do nothing, our economy will b heading South at faster rate

Ceh 

Which Bank offer 4.7%?

Banks are fighting to secure liquidity in malaysia.

Big fund are dumping myr to convert to usd in huge chunks. So banks are racing to keep liquidity afloat by growing their fd rates gradually.. sooner or later.. opr need to grow up in order to help this.. if not.. bank margin will be squeezed tighter.

Why squeeze tighter.

Cost of fund increase. Lending rate no increase, or increase sikit... means profit rate smaller. So need to resort to VSS, rationalization of branches, firing head count..

U somemore with basel III, bank need to have certain threshold of liquidity.. and it keeps on increasing..

Unless opr go up n make the money flow back to malaysia, those myr that is flowing out like water will resort in bank suffering, liquidity issue will then resort to?
Resort to more panic lo.. then more people dump n dump n cabut faster lor..

Now bank chop headcount... also make more people no job..

Ai am favorable on a opr increase

but if dun increase.. bank liquidity problem.. money running out.. then u start to malaysia style QE to further devalue it again?

Not sure whether anyone share tis b4
Apparently AmBank offer 'Retention Rate' for existing clients whose FD is due for renewal subject to:-
Min sum upon maturity (a) : RM10k n above
Fresh funds (b) : min 20% of mature sum (incl int)
Final sum for new placement : (a) + (b)
FD rate : 3.90% for 6 mths or 4.00% for 12 mths

They offer convenient to clients as the later no need to move around for gud rates

unkle speaking for pipu with fd all over the place? or advise to those pipu?

kiddo not unkle?

rich kiddo with fd all over the place.  

where to get 4.7%? hidden clause?

where to get 4.7%? hidden clause?