Just kaotim Ambank 4.6%. Was considering Ambank and Maybank, decided to go Ambank route due to very low appetite for risk taking in this environment. The only big drawback is the semi-annual interest crediting Had the officer fill in all the forms for me, which was a bonus as I hate form filling Got one miserable umbrella as a gift...pffftttt...

Also learnt that "fresh funds" can mean different things to different banks. Some banks allow you to top up a little RM if you plan on renewing FD at promo rates, some use a % topup. I guess it depends on whether that branch is in need of funds or not.

Not sure what the fuss is about preferred/priority banking. In my experience with CIMB, HLB and MBB, all I ever got was:
- annoying phone calls from salespeople trying hard to push insurance and unit trust
- getting sent unnecessary Infinite credit card without having to apply for it (still haven't used it once to this day)
- still having to wait around 20 minutes to be served in their preferred banking centres
- almost never ever getting a parking space in parking bays reserved for preferred customers, and even when there is one, getting a disgusted look from the security guard when I drive up in my >10 year old car
- never getting to enjoy preferential rates on FDs (maybe I didn't grovel hard enough)
- no lengluis to ogle at in the preferred centres

Unless you're getting something which you actually use, such as free access to airport "priority lounges", free full-body massage by lenglui RMs, regular free booze/food, etc I'd say this is more for show nia...

And I can't remember applying for preferred status in CIMB, they just did it when I deposited some money there, same with HLB, I can't remember completing any forms.