For security reasons, most banks don't allow auto-crediting of FD principal amount into CASA upon maturity date.  The normal SOP of a FD withdrawal requires depositor to present at the bank for finger print biometric scanning, identity card and real time signature ie 4 layers of security protections. If your FD principal can be simply withdrawn by a mere instruction in the FD system, then it will be defeating the purpose of the 4-layer protections mentioned above.
Some may argue that the auto-crediting goes to own CASA, what's the problem ? don't forget that FD also has joint account type and joint account can have different withdrawal conditions. to make things more complicated, interest crediting CASA also have joint account type. Therefore, to prevent security breach and loopholes, most banks don't allow it.   
But I read from this forum that some forumers here managed to instruct the bank to auto-credit principal + interest to CASA account upon FD maturity in order to counter the non interest payment on non banking day. Those who have done it before may want to share his view on this matter.

Deposit FD promo rate, get free gift?

"mai hiam not bad" hee hee! 

is that where the 1 mil eggs will go?   u have not tell us your choice yet.

That's if one is willing to wait a loooooooog time at BSN

True option 1 is better. But I choose Option 3. Dump into ASX FP. Earn 6.x% and don't need to run around until one needs the money

say bye bye to your value of RM in 5 years time.. it keep depreciate.. do u think 5% can save the value of our RM?

Received call from BR to collect CNY gift. Not sure hamper again (just the cheap version, anyway it is still a gift). Will go to collect when it is along my way out. 

I remember previous years u also have the gift delivered to you. While people like me has to collect it. So let us know when you have yours delivered.

You have lowered down deposits there ? But I think you mentioned you still have substantial deposits there ?

But other states (other than Penang) seems to be giving out better gifts. BR may be planning a surprise for you.
BR looks at total deposits. They don't care it is in 1 cert or not. I was shown a list by BR in terms of those eligible (just a flash no names seem). They list down by total deposits. Penang side my branch 300k and above. But it depends on branch and how many rich depositors. Each branch has their budget to fill. 

Oh.. Clement Tai kor..
Really..? 
I do not think I heard it wrongly because I wrote down everything she said on the spot

I think can put small amount to BSN, big amount need to consider first... 
If you do not mind about PIDM, I suggest you to negotiate with BR again before
you move to BSN, try to ask for 5.3% for 5 years since one member reports he can get
4.8% for 1 year, some more leng lui intrepidity85 can get 4.6% for 1 year at RM 300K.

I expect you can get in between 4.9% to 5.2 % for your 5 years FD in BR. Good Luck.. 

i think what he says make sense actually..

because different state different limit been set

if you are at subang or kl or big cities at least need to put 1-3 millions to get that rate

but in small city 300k will do and rewards with 2 hampers and rate also attractive liao

this is characteristic for BR so far.

of course, THANKS to forumers here mentioning BR is good for FDs and negotiable rates with free gifts

So, I was right. BR was planning a surprise for you !

I agreed that 1 year 4.8% is unbelievable to me too. Their current promo for 2 years is 4.55% for min 50k. I think that was the reason they agreed to give me 1 year 4.5% for my FD renewal.

5 years ? 4.9% to 5.2% ? Must be very high millions. Unlikely go to beyond 5%.

I suggest 2 week before your million FD to become mature, you show BR your million FD
to nego; otherwise BR will not believe you have this amount of money, then BR will serious
to work out the best rate for you.

Second method is top up million FD to nego. Good Luck..