Ya the RM300 per referral is tempting ! For the RM900 we used part of it for a meal and the rest goes to my mom. 

I missed to be your referral ? 

Call or give them a visit to confirm.

Fresh fund. Fresh fund which means money must not come from RHB usually minimum rm10k. Say I want to put FD for the whatever promo rates you have. If you know the rates, even better. Make their work easier (if they are running >1 FD promo). Ignore any offers for UT/insurance (bank workers love selling products - you might get those offer if your FD value is large)

In the event need to open SA. Ask for BSA. Is FOC. Need only minimum rm20 inside. No need to pay anything. (usually banks will not give you BSA as they need to reach target for their other SA and they cannot earn anything from that BSA). This applies to all banks (free BSA). If they refuse to let you open BSA, threaten you will complain to BNM and they will give you a BSA.

Usually they will auto-renew back to board rates (3.x%) unless you specify that you want the money moved to your RHB SA. So if you don't remove the FD, you will be getting only 3.x% while maybe they/other banks are running a new promo giving 4.x for the same duration. Letting it auto-renew makes you lose out ~1% to banks.

Hope this answer some of the questions. For other question wait for other forum members.

thanks for the info, went to place FD in hong leong and they opened pay&save savings account which charged me RM12 for ATM card and must have min RM200 in account otherwise charge RM 5 semi annually, gonna be careful if i were to open SA next time in other banks..

thanks for the info, went to place FD in hong leong and they opened pay&save savings account which charged me RM12 for ATM card and must have min RM200 in account otherwise charge RM 5 semi annually, gonna be careful if i were to open SA next time in other banks..

Since you have a pay&save savings account, maximise it to earn>4.5% when banks are not giving 4.5%FD anymore.
http://ringgitstretch.blogspot.com/2016/03...e-interest.html

Not yet gotten the answer, they said need 1 or 2 days time will let me know.

Anyway, I am not ready also. SCB also needs a few days also to terminate my priority banking status before I can transfer out my $$  else they will charge RM 100 a month if I don't meet the AUM!

Gary, Thanks for reminding this..
After all my SCB FDs become mature, I will withdraw all FDs from SCB.

How to avoid SCB to charge us RM 100   after we withdraw all our monies? 

Or can we request to terminate our priority banking status before we withdraw our
FDs..?  So that we will not be charged RM 100..   
Withdrew FD in RxB, happened in this afternoon:

unker boom, wat if fd say 50k belum matured. keep say rm5 in sa. they cannot deduct the rm100 lo. can ah?

What 1 or 2 days ? My branch got the approval from HQ in 15 minutes ! 

Gary, Thanks for reminding this..
After all my SCB FDs become mature, I will withdraw all FDs from SCB.

How to avoid SCB to charge us RM 100   after we withdraw all our monies? 

Or can we request to terminate our priority banking status before we withdraw our
FDs..?  So that we will not be charged RM 100..   

Wah, seems everything is better & more efficient in Penang. 

Let us know once they replied you. Whether they give u what u have asked for, the 4.5%. 

Today again received MBB's GIA-i interest, exactly 4% again !    However this is the 6th month, so looking forward to next mth for 4.5% interest.  Even later 6% ! 

is this still available for placement?

how to become member to BR Xclusive?

CIMB give me 4.35%. Is this rate ok?

I year rate. 200k

CIMB give me 4.35%. Is this rate ok?

Let us know once they replied you. Whether they give u what u have asked for, the 4.5%. 

Today again received MBB's GIA-i interest, exactly 4% again !    However this is the 6th month, so looking forward to next mth for 4.5% interest.  Even later 6% !