wow, i m so sorry for you instead of time and money saving, u ended up with troublesome follow ups. it is not technology should get the blame cause human factor is involved here. mayb u should lodge official complaint to the HQ. and how long does it take for cheque clearing? cause when u placed ur fd, i dont think they told you, the runner will not come to collect the cheque and thus the delay..bla bla bla...u are just plain victim     and lost several days of interest?

i doubt 5% by year end.

if yes.... i will....

That's cheap. SCB charged me RM2.80 for my matured FD and CIMB charged me RM6.00!

Back from CIMB @ Menara Hap Seng.

Did a FD for 1 month at 3.7%.

- Min 10k placement
- Fresh funds only
- Valid til further notice, no exact date for now.

I consider this is good deal for short term FD. 

walk in.

if not one knows, then ask them refer to one of the two officers sit behind tellers. 

that's the board rate they quoted you.

need to ask and push little bit for special rate ma 

For you and me maybe no differences. For big player like unker goat & unker lim who put in 6-7 digit/FD, late 2 days payment can buy dinner for family (~rm500 I guess?).

Of course la.
Let's take unker X for eg. This is just a rough calculations of mine. Could be wrong.
Unker X is worth min rm3m. How did I arrive at this figure?
1. Unker X send his son to the US. Sending someone to the US will require at least Rm1m for tuition fees + living expenses for say 3 years.
2. Chinese family generally have 2-3 kids. For this discussion, let's assume he have 2 kids. One kid send to US. One more kid takkan in Malaysia. So another rm1m for the other kid.
3. 6 figure FD amount late for few days = one time family meal.
4. No way only one single 6 digit FD. How I know? Too much money in bank X/Y/Z (his own words - lost count how many banks already).
5. Say eg, RM500k /FD at 4.5% gives ~ only about RM62.5/day.
6. If one were to eat at hotel/fancy restaurant, one should prepare min rm50/person (I am being generous here as usually it will be higher than that - about rm100)
7. As you can see from the eg. Unker X if he didn't get 2 days of interest, he lose out.

Of course Unker X is not captain but applicable for him as well.

PS  Unker X is active member of FD thread.