So far for Jan 2016 FD promo, AmBank, MBB and OCBC all lower than the Dec 4.5%/4.6% promo's. 

On Monday have to call UOB and see. Hopefully HL 6 mth 4.5% stay put ! The other one is RHB's step-up 4.4%.

apa la, hnws now becomes expert dan marah orang?  

Yup 

Mach's 4.5% pa for 6 months is now available online.

The only time I got a 9.18% FD from CB is with UT promotion in 2015. They does not seem to bother with pure FD promo.

In fact they are raising the AUM for CItigold from 200k to 350k. That is even higher than OCBC's 300k for PB but lower than UOB's 500k. 

If you have a Mach account, you can place it online without needing to visit the bank. However you better call up HLB and asked them money transferred from another bank via online is it counted as fresh. End of the day, if you don't have a Mach account, you will still need to visit HLB counter to place the FD.

I think was not clear enough. For Mach eFD, no need fresh fund. But I was talking about calling up HLB if he intends to transfer from m2u to cimb clicks for the 4.5% FD placement over the counter (instead of using BC). Will hlb consider that as fresh fund or not (transfer of funds from another bank or they only see cash and BC as fresh fund)?

People using chq because his FD placement is very large and exceeds the limit of electronic online fund transfer.

bro, wait until dec 2016?

your 5%, 6%, when will tat be?

Damn! If I knew earlier I would have done FD placement at HL using my existing SA instead of at HL Mach where I need to open a new Money Box account.

Had a nightmare experience with the HL Mach Service Centre at Aeon Jusco Bukit Tinggi, Klang.
Did placement with a single Maybank BC on 13-Jan. BC only cleared on 19-Jan ... reason given was their runner did not do the daily collection for processing due to rain. Checked online on 19-Jan, nothing in FD details.

Nightmare doesn't end there. Checked on 20-Jan, and only 2 FD receipts shown. Another one receipt missing, and it is not a small amount (5-digits)!
Call the service centre staff & they tried calling the branch for clarification. Too bad, the guy in-charge went on leave and will be back to work today. But at least the support team managed to clarify that the guy in-charge missed-out keying 1 receipt! Was told to to check online again today after 12 noon.

Finally everything resolved today!

After this experience, today I decided to do a new FD placement with OCBC (my usual bank) for 15-months @ 4.3% p.a.

I noticed the difference between OCBC & HL Mach is the placement date. OCBC used the date of placement with BC where HL Mach used the BC clearing date.

Anyway I don't like the idea of paperless FD placement especially with HL Mach. Is it possible to get hardcopy FD certs?

Thanks for any comments.

Thanks for the great suggestion! Didn't know it could be done this way.
BTW, will they be able to issue hardcopy FD certs?

big bones even looking at FD 5.5%, 6% leh!

Your comments noted.

So how often do we need to log-in hongleongconnect to check whether our fund/FD are intact? After going thro' the incident of "missing fund" in my FD placement, I really felt the need to check online as often as possible.

With current financial market situation unfolding, no way.

Nevermind will "bookmark" this statement for end of year review....   

SRR is at 3.5%, still have room to release further if liquidity become tight.
It was as low as 1% before, if not mistaken.

Even before this (SRR reduction) was announced, early Jan onward, no "exciting" FD promo was announced. So looks like short term may not see higher than 4.5% FD promo ?  Dr Bones (of Star Trek), any "cure" by end of the year ? 

AmBank promo at 12 mth 4.18%  , and other bank at higher 4.3% and 4.4% (UOB, RHB). BSN 4.5% may be hot after HL ends its 6 mth 4.5%. 

Add: BR 2 years 4.55%, min 50k but not that attractive compared with BSN's 1 year 4.5%.

I prefer in the middle - 9 months

Just placed an FD yesterday at Alliance Bank 9 months 4.35%. I notice the FD cert is from 1/22 t0 10/22 where the maturity is on a Saturday. Just wondering if they would pay me the interests on the Sat and Sunday?

On a side note, previously some sifu here told me need to earmark 10k for a month in SA for its PB status. Apparently the RM only ask for RM250 to open the SA, no need earmark for 10k. 
.

I had Mach account 2 years ago, until I closed it mid last year. Didn't need it coz HLB has been very stingy when it comes to FD rates. Anyway, went to Bandar Puteri branch again 5 mins before the opened this morning and got it done in 15 mins. What a relief. EFD can be made with the 4.5% @ 6 mths promo? I can only see their standard rates in Mach website.

And took me 30 mins in queue to change new notes for CNY