Went to BR planned to uplift my FD and move it to UOB 4.4%...
But was surprise the ABM offer the current promo 4.45% for 2year tenure.
Asked to nego, cannot nego.
So end up stay with BR with monthly interest. Good for not needing to visit another bank. 

Just to share the promo details (refer the cert I attached below)
Bank: Bank Rakyat
FD rate : 4.45% p.a. monthly interest
FD Tenure : 2 years
Promo validity : 1 Jan - 31 Mar 2016
Min Amount : 50k

I asked for the brochure, ABM said not yet received from HQ. Asked for gift, got 2 towels, umbrella habis.
ABM said there was a FD promo for 12mth last month, now promo for 24mth. Surprise no one heard and reported here.
Took me ~40min to settle everything and collected the certs. Consider fast as compare to last time.

OK, in BR to renew my FD and got the nego rate I mentioned before. No need to repeat here in case someone go and think that it is normal rate for BR.  Received PM asking about the nego rate. 

Split into 4 certs and got monthly interest.

However was told that I could have gone there on Monday as there is another FD due which I got nego rate as well. Should have thought of that but the ABM did not tell me after I asked on the add'l FD due yesterday. BR has this flexibility of u can get FD cert within about 1 week after FD matured and the nego rate remains.

Anyway Monday have to go there for another FD, smaller amt, but part of the package of the 12 mth 4.x rate. 

Yup and on the dot. 

One more thing their system always change the FD maturity to working day. So today's renewal, maturity on Jan 23 2017. 

I went to the BSN branch and they told me for 4.75% 5 years, only paid out every 12 months , i went on yesterday.
Can any1 get a confirmation from the BSN?