I managed to retain my FD with the new promo in the past but have to top up 10% or 20% .

Do you have to visit CIMB in order to topup the 10~20%? or there is an alternative way?

Online IBFT = RM0.53,
BC = RM2.xx - RM5.xx = Total < RM10
For <RM10, I got my FD at promo rates

Do show us something amazing like the MACH one !

The HLB 4.5% is it a step up FD for the same for the whole tenure?

Exchange rate to 4.5-4.9 range !! That is bad for those that need to buy USD !! I just hope it will be stable at 4.2-4.3 region, still high but stable at that level. But looks like a lot of factors influencing the rate. 

Friend, u better read posts carefully before just shoot out your emails ! 

Still shoot too fast !!!       

Friend, still no die attitude. If u are wrong, just admit it. Don't change the subject. And don't give me advice, save your breadth !   

Go read gsc's comment first. My reply is regarding his comment. How come u can never understand people's post ??   

I think u miss out below:
As a student, how did u get by your study, by not understanding what is being expressed ? 

what about HSBC's 5%?

Didnt manage to go to CIMB before 31/12.

But I saw HLB offering 4.5% 6 mths with min 10k fund.
Any t&c beside fresh fund (I dont have their account)?

I used to have their Hello Kitty card 
But it charges me ATM fee yearly so I close account 
Can I just open HLB FD for that 4.5% campaign?

What is BSA? Basic saving account?

Recently I tried to open saving account with HLB but they do not give passbook for saving account anymore. They only give atm card and ask us to do everything online! Atm card of course comes with rm8/ year.

this is probably not the most appropriate thread (but also likely most knowledgeable since the people here spend a lot of time hunting for best fd deals )

but does anyone know the best accounts to park temporary funds? currently i am using cimb money multiplier (2.5% but min balance 10k). back about 5 years ago, eon bank has an interest bearing current account which pays almost 1 month fd rates but too bad no more after being taken over by HLB.

Sorry a bit off topic
When bank normally charge this rm8 fee ah?
I was looking thru my RHB 2015 statement and didnt see this rm8 deduction
I rmb in 2014 got thia deduction when I just opened acc and apply for debit card

Ipoh side also charge RM0.68 only for FD upliftment through banker's cheque.
1) AmBank TRUE Savers - 2.8% p.a. flat (3-withdrawal limit per month)

2) UOB eAccount - 2.78% p.a. (for balances exceeding RM20K)

3) OCBC SmartSavers - Up to 3.05% p.a. (deposit RM1000 + no withdrawal in a month)
- Only useful when you withdraw early in the following month or subsequent months

4) OCBC 360 - Up to 4.1% p.a. for 1st RM100K monthly average balance (deposit RM500 + 3 online bill payment + credit card spend rm500)
- Deposit min RM500 in a month alone can still get 1.7% p.a. for 1st RM100K monthly average balance (0.5% + 1.2%)

5) HLB Pay & Save - Up to 3.5% p.a. (many terms & conditions to fulfill)
- This is the one of the most complicated account but it is one of the best current account in the market. If you have a large amount & willing to perform the listed number of online transactions & debit card swipes, then the rate is very good. Since it is quite complicated, it is quite difficult to fully optimize the account to get the maximum rate. Even if you do not perform all the listed transactions, you will still get some bonus interest depending on how many transactions you performed in a month.

In my opinion, with such restrictive measures imposed on OCBC 360 Account, OCBC 360 Account is no longer a true saving account. Since when is your credit card directly associated with the interest rate of your saving account? 

Most of users in this Finance subforum use specific credit cards to pay bills and other things, to maximize cashback. It would be difficult for us to spend RM 500 on OCBC Credit Cards, and pay any 3 bills online every month, while earning no cashback along the way.

I guess that it is best for us to stick to what OCBC is really good at, which is Fixed Deposit Account (4.5% per annum ).

^
I agree with you, Ramjade.

The reason that I want to transfer all of my money as soon as possible is that I am not gaining any interest on the money placed on OCBC e-SmartSavers this month.

Normally, ATM transactions cost more than online banking transactions. Plus, OCBC banks only open next Monday.

So, there is a potential loss in saving account interest for 3 days, even though my money is tiny, compared to those HNWI here.

It should be just recently that UOB has the IBFT feature.

Before that have been forced to use their normal ibg. 

Thanks for pointing out. Have update accordingly.
Need to note that the charge for OTC transaction for eAccount is RM5.30.
Was advise some time ago by a UOB account office not to open eAccount but a normal SA account instead if the purpose is to IBFT fund from outside and take up UOB promotional FD placement. Promotional FD required placement at the branch counter and hence incur OTC charge if using eAccount.

this is untrue. i have placed fd many times using funds from e-account and didn't get any charges.

just like maybank's m2u savers, the main purpose of e-account is to encourage customers to use electronic forms of banking as much as possible. But the are times when counter visits are unavoidable, so otc charges should be waived.

for example, m2u savers allows withdrawal over the counter if the sum is more than rm5000. this is because the max limit for atm withdrawal is rm5000. i have withdrawn more than rm5000 from my m2u savers at lebuh ampang and wisma genting. one day i tried to withdraw rm6000 from the dbkl branch, and the staff insisted i pay fees. i tried to show her the the maybank website on my phone, but she refused to read or listen, and arrogantly said "any withdrawal from m2u, you pay!".

ditto for some HL Mach staffs insisting on cheque for promo FD placement even though HL website clearly states fund transfer is permitted.

inexperienced bank staffs would often misread the rules set up by their bank and create their own rules.

Want to put 100k FD. Which bank offers the best and no risk?