The OCBC 12 mth 4.5% is the best so far. Though I did have AmBank 2 yrs 4.6%, 6 mths 4.25% (with the 20" trolley bag  ). I did have MBSB and MBB 4.5% also. But now with OCBC 4.5% coming out, it is the best one with PIDM (though I don't really care too much about it).

Your standard is too high, OCBC PB centre new with young leng lui's inside there.  I was there again on Thursday for the 12 mth 4.5% FD. The decoration is GREAT, relaxing. I just received RM300 for PB Member get Member program. Signed up 2 more, expecting RM600 in say 3 months' time.     

I went to Ambank on the last day offer on 20 inch luggage bag, was told only first 500, non guarantee, thus didnt place for 6 months instead go for 2 years. Ocbc parking place is alway a headache

I placed on the first day and was told very high chances of getting it.  On the same day I placed some more 2 yrs one also (before that already placed for the 2 yrs one).

OCBC PB centre free parking is lousy. Hard to get in as limited space. So have to pay for RM2 per hr parking outside. 

When I'm doing business with banks, I always ride my old motorbike and wear old shirts with a dirty bag

so you get good attention or service or  what am i missing here?

Nope, infact nobody bother to look at me(this is my intention)

You didn't apply for vip banking?

Omfg... when troll meet troll.. i better hide in cave..

Tomorrow go withdraw my hlb and go ocbc.. i just saw.. my promo hlb rate then 3.85% was being renewed at 3.2% for 1 year despite telling them that if they dun giv me good rate, i will cabut lari... this hlb really tarak guna retention customer

Nope, infact nobody bother to look at me(this is my intention)

must be filthy rich, worry people follow or notice!

must be filthy rich, worry people follow or notice!

Any good deal now?

Long time no follow trend lol coz busy

Guys when it says 'fresh funds', do I have to bring a wad of cash and deposit over the counter? Lets say I received a bank in of the said fresh funds, can I then go to the bank and tell them I received fresh funds ytd and want to place an FD?

OK, checked MBB online. The "profit" is in, shown as "Credit FD Int". I calculated the amt given, it is 4%, as declared for first 6 mths.  Calculated for 31 days for/over Oct month. 

Maybe others can check theirs later. 

Now looks like can put in more eggs there ! 

Fresh funds can be in the form of cash, other bank's banker's cheque or personal cheque etc. It is not restricted to cash only.

As for the 2nd part of your question, it depends on how that particular bank defines fresh funds. Some may consider funds deposited into your bank account not more than 3 or 7 days prior to the date of your placing of FD to be fresh funds.

Hapeng
Safest is say your cash comes into bank A (<7 days) ask bank and see can use that fund ot not. If cannot, just IBFT to bank B. Then go to bank B and withdraw in banker's cheque. Bring money back to bank A. This sure considered as fresh funds.