From my own personal experience, banks which offer good services include UOB, OCBC & PBB.
Banks which provide bad services include Maybank, CIMB & Alliance Bank. Maybank is arrogant and opening account there is quite troublesome.

The worst is Alliance Bank. My sister and I went there to open a basic savings account once to take advantage of the online FD promo that was going on at that time. The counter staff had no product knowledge whatsoever and was arrogant. She said no such promo going on and FD cannot be placed online 1. She said there is no such thing as annual fee free basic savings account. She said all accounts also need to pay for the ATM card. Later another staff told her there is such an account  

Anyway, we still insisted to open the savings account so we can place the FD online ourselves. They did not want to open the account for us so they make it difficult for us by giving all kinds of lame excuses. Finally, I was rejected and the reason given was because I was not working at that time. I had no problems opening basic savings account in other banks even when I was unemployed. My sister was working so they cannot use that as an excuse to reject her, so they said she needed an introducer to introduce her. What? Introducer to open a basic savings account? It's not a current account or some premier account. It's a basic savings account for crying out loud. So, we left after that and did not bother to open any account with this stupid bank.

That is from my personal experience, your experience may vary as sometimes, it may depend on the branch or staff serving you.

Called up RHB Bank. Have one 6 figure FD due on Friday 1/1. If withdraw on 4/1, will lose 3 days interest. After some talking, agreed to pay me the 3 days interest if I withdraw on the Monday. 

Last time the manager just said cannot pay the weekend interest. After I read one "nice" forummer's post, talked to RHB manager again. Initially still asking me to continue to their step-up 4.4% FD, but later still agreed to pay me the 3 days interest even if I withdraw. 

Called up RHB Bank. Have one 6 figure FD due on Friday 1/1. If withdraw on 4/1, will lose 3 days interest. After some talking, agreed to pay me the 3 days interest if I withdraw on the Monday. 

Last time the manager just said cannot pay the weekend interest. After I read one "nice" forummer's post, talked to RHB manager again. Initially still asking me to continue to their step-up 4.4% FD, but later still agreed to pay me the 3 days interest even if I withdraw. 

From my own personal experience, banks which offer good services include UOB, OCBC & PBB.
Banks which provide bad services include Maybank, CIMB & Alliance Bank. Maybank is arrogant and opening account there is quite troublesome.

The worst is Alliance Bank. My sister and I went there to open a basic savings account once to take advantage of the online FD promo that was going on at that time. The counter staff had no product knowledge whatsoever and was arrogant. She said no such promo going on and FD cannot be placed online 1. She said there is no such thing as annual fee free basic savings account. She said all accounts also need to pay for the ATM card. Later another staff told her there is such an account  

Anyway, we still insisted to open the savings account so we can place the FD online ourselves. They did not want to open the account for us so they make it difficult for us by giving all kinds of lame excuses. Finally, I was rejected and the reason given was because I was not working at that time. I had no problems opening basic savings account in other banks even when I was unemployed. My sister was working so they cannot use that as an excuse to reject her, so they said she needed an introducer to introduce her. What? Introducer to open a basic savings account? It's not a current account or some premier account. It's a basic savings account for crying out loud. So, we left after that and did not bother to open any account with this stupid bank.

That is from my personal experience, your experience may vary as sometimes, it may depend on the branch or staff serving you.

curious, how does the bank "calculate" the extra 3 days interest?

manually calculate the 3 days' interest? or extend the maturity to 4 Jan instead?

placed a fd in affin bank with 4.6%

but.... according to officer , only 80% can get 15m 4.6%, remaining 20% max can get 3m 4.3%, after 3m renew will base on board rate.    and since i dont hv affin account, i hv to open a bsa, either rm20 with atm card( rm8 each yr) or rm100 (without atm) , like this, actually shd go for ocbc 12m 4.5%, is better , rite? 

Do like me. Open without atm card. After that, just leave only RM20 inside. Don't kena charge anything. Yeah. I agree. Affin's current promo is bad. Better choose Ocbc.

whats the next plan goat? HL 4.5%?

i see , so pay rm100 to open account and just leave rm20 inside。 ok ok thank you. 

Already placed for the HL 6 mth 4.5%. But since it will be Jan by then, not sure yet if there is any new promo. If OCBC extend the 4.5% promo will go for it.

How about you Mr Kim/Lim ? Have to learn from some one like you, impressive MACH FD shown recently ! 
No need to get ATM card from Affin. If need online account, they can give you a "virtual card" to activate online account. 

Convert to USD still need to through bank right?  eg: Public bank Foreign FD?

I worry scenario like Greece... where their citizens not able to withdraw any money from their own country bank.

Just rec'd text message from Maybank
Earn 4.5%pa effective return with Maybank GIA-i
Visit our branch for info

I tot one forum member mentioned tat tis promo have expired.

FYI. This product is not PIDM protected. I don't quite recall whether the rate published is guaranteed or based on performance of the underlying assets.

everything not guaranteed for GIA. read up the promo's PDS and FAQ.

published eir may not be actual rate given.

so far, first 6 months will be given 4% p.a., the base GIA rate also 4% p.a. nothing much to compare for now.

the interesting part would be the last 6 months, whether the actual eir will match the published eir (or as close as possible).

I blif Maybank GIA will honour the 2nd 6 mths provided BNM maintain the OPR

No, the requirement for this MACH FD is have to issue cheque to guarantee fresh funds and need to open new MACH FD though I already have an existing one but different branch.

curious, how does the bank "calculate" the extra 3 days interest?

manually calculate the 3 days' interest? or extend the maturity to 4 Jan instead?

from the TnC:

For the avoidance of doubt, the FD Placement Amount for the purpose of this Campaign shall be of New Funds only. “New Funds” is defined as:
Cash, interbank GIRO, new funds received via telegraphic transfer from other banks, local cheque or banker’s cheque issued by other banks and deposited into the new or existing Mach FD accounts of the Eligible Customers maintained under their sole names;

call to Queensbaybranch , was told that only can use cheque 
apa la