[attachmentid=6677596]

Just received it today, thanks to the RinggitPlus promo, they are pretty fast, responsive and efficient...only 3 working days of waiting after I placed the FD.

The only hassle I've gone through is long processing time while placing the FD at BSN branch..it took me almost an hour to get the slip 

Was planning to withdraw my FD from Affin Bank and park it under Maybank today, however the counter lady told me they introduced new rate last Friday. 4.5% for 12 months. Renewed my FD with them and got that rate.

They practice discrimination?

are they any transaction costs? seems interesting

so, if 4%, customer gets only 2.8% ; 70:30 ratio