Thanks for info. 

Have been thinking of putting more eggs in Affin. With this change will just move to OCBC 4.5%. 

Interesting, you have "escaped" Affin's new T & C ? 

Another issue of banks implementation of T & C ?  I found the branch that I was in with people nothing to do but play their smart phones. 

For hlb mach 4.5%, i just tried IBFT from my mbb to HLB, and no promo rate displayed under efd. So i believe only way is to place the fd via mach branch, which will appear in your mach acc later on. Manual placement instead of a pure efd placement.

Just noted u have existing RM1 mil with them 

Update #3 on the Mach FD,

The cheque cleared 23 Dec, while the FD date starts from 22 Dec,
I am 8 cent richer than supposed to be...

maybe bounced?

why didn't fund transfer? amount too large?

Haha..

I dun want to boast much, but i had to tell u my investment is more than 500% return last year, and this year also nothing less than 200% with the capital employed. 10% is good, but if that money is risking for only 10% return, not attractive at all.. lol

But despite that, why i put FD for 4.5% ?

FD is almost no risk, unless bank collapse and ur money gone. Even that, pidm still protect 250k per bank.

FD is really do nothing and get passive income. You dun even need to find tenant or repair your leaking house and pay cukai tanah and etc.

Only risk is currency risk.

from the TnC:

For the avoidance of doubt, the FD Placement Amount for the purpose of this Campaign shall be of New Funds only. “New Funds” is defined as:
Cash, interbank GIRO, new funds received via telegraphic transfer from other banks, local cheque or banker’s cheque issued by other banks and deposited into the new or existing Mach FD accounts of the Eligible Customers maintained under their sole names;

call to Queensbaybranch , was told that only can use cheque 
apa la

http://www.enanyang.my/news/20151229/%E9%9...90%B8%E8%B5%84/

sorry to those cant read chinese

in short the news article mentions escalating loan-to-deposit ratio, where 6 banks are with ratio above the 90% usual comfort level - mbb, ammb, cimb, rhb, affin and pbb

that explains why banks are deposit hungry lately..

Few pages back, someone posted it ady. I think it's online version of GIA

select GIA-i when u perform eFD placement in M2U.

you wont see the profit rate in M2U though. It's shown in M2U App itself 

in M2U lor, when u place eFD.

monthly profit payment frequency is the only option available anyway