Yesterday went to Affin bank Ampang Point to open FD account for the 4.6%. Once went in feel like government department. All staff like no need to do. Goyang sini goyang sana. Get number and waited for 20min the one and only customer service officer still goyang luar and goyang dalam. After that just left and go to OCBC for their 4.5%. Things done in 20min.
Even OCBC trainee looks better than Affin permanent staff.

When I opened FD and SA at RHB, I was informed by bank teller that if I close the SA within 1 year, a penalty fee will be imposed.
Do all other banks stipulate this condition regarding closure of SA?

Ambank said new promo coming in January. CNY coming soon. So Affin will have their regular CNY promo.

Most banks will never let you placed an existing funds at promo rates. You will have to move your money around if you want their promo rates.

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

Fresh fund is defined by most banks money coming in from orher banks. That is the purpose of banks provide promote rate. If you withdrew FD and placed in the same bank but different account. No matter how long it is still not considered as not fresh fund as it is not from other bank.

However some banks,  some officers some mgt level can waive that on the day of maturity with some top up or even the fund was in the bank for sometimes. Some members have that experience and I have done that with HL and public.

Called to AmBank ABM to enquire on their FD promo for Jan 2016. She quoted me the below:

6 mth 4.08%
1 yr 4.18%

min 20k.

That is not a good rate ! So AmBank has collected enough during their last promo of 2 yrs 4.6% ?? 

OCBC 12 months was 4.5%,
4.15% 9 months is not attractive at all considered that there are 3 months FD at 4.15% as well as 4.5% for 6 months.

Correct.

I would place these banks in order of highest interests rates offered.
1) Hong Leong - 4.5% for 6 Months

2) RHB - 4.15% for 3 Months

3) CIMB - 4.1% For 3 Months,  4.2% for 6 Months, 4.3% For 1 Year

4.5% for 15 month

Sorry I'm wrong

Is 4.3only

UOB still better ma at 4.40% for 12 months!

I called to AmBank ABM yesterday before going for HL 6 mth 4.5%. It seems they may not have the CNY promo for AmBank. She said still the relatively low 12mth  4.18%, 6 mth 4.08% which I mentioned before.

Still not heated up yet for CNY Ang Pow FD promo ? 

Just came to mind, to commit another self contribution to EPF next week !

Getting higher returns than from FD. 

Agreed. Last time they have comparable rate with other banks, but I stayed away from them. This time they looked like the best deal for 1 year. Have enough eggs in HL already (still admire the 1 cert of some big boss here  ). So considering BSN, UOB and RHB for next week's actions ! 

If you say over the counter, I would rate the few banks to be very slow in customer service.

1)BSN
2)Bank Muamalat
3)Bank Islam
4)Affin Bank
5)CIMB

My friend told me service at Muamalat Glenmarie is fast though. I asked why.. and he said because not many people know there is a bank Muamalat there.

go try BSN 12 mths for 4.5% then u know liao..

a grandma sitting beside me mentioned she get used to it.. '2 hours waiting time is normal for me ' - that is why online banking serve the purposes 

Now the BSN 5 years FD is the best in the market, interest rate 4.75% p.a. and monthly interim interest.

if 6.88 i will sure withdraw all from asw2020 and put in this fd @ 6.88% seriously