As I've mentioned earlier, this promotion is only available at selected branch. I've just made my placement this morning.

Placed 12 month 4.5% FD at UOB Damansara Uptown during lunch today. So it is confirmed the promo still available. Staff asked me to open savings account (no ATM card, min RM20 in account to keep active). I refused and asked why. He said so that can transfer funds upon maturity when I want to withdraw/close the FD. Told him I will open an acc then a day before maturity date next year. So I stood my ground and no BSA for me.

Setapak - RM10K Fresh Fund

This morning in SCB PB centre to withdraw FD. 10 minutes kaotim. Good !  Got CO for RM2.80.

Moved to BR 2 yrs 4.55% with monthly interest. No gift left, just towel.  Can put in multiple entries for the 2 yrs FD promo's lucky draws. Have to send multiple SMS's (BR said is FOC).

Next week will be placing for 1 yr 4.5% with monthly interest there. Asked about gift. The officer said will ask from HQ gold coins, golf clubs etc.  He said Exclusive Club of BR has exclusive gifts for members.  But he has to ask from KL. Take note of this for those who are the BR Exclusive Club members ! 

Complained about Penang island's gift not as good as in other branches during CNY. He said will feedback to the committee. 

bro, nego rate.

200k, still small player?  

bro, u shld know they do not show in website.
250k n above.

went to pb today, ask for pb fd extra ~ 4.3% but fresh fund only

Argh.. my dream is sailing further... RM see strength towards the greenback.. now rm 3.8x to 1 usd..

9mths to go... but looking at this state, USA is not going to paint a bad picture on Obama, expecting a rosy end to his tenure... so is a bit susah already

Approx 40 grand left rotting in saving acc wad am i doing.. zz

Need to go back hLB and hide in their 3mths FD..

Brw, 12m on 5% is freaking awesome if true.. argghhh
600k of interest per annum!!!

Will u be happy if I said 500k FD ? 
I think sharing the info of BR 4.5% is more important than telling the actual FD amount which is 6 figures. If I said just 100k, is it important ? 500k ?

Whether I am rich or not is not important. It is the info and the FD percentage we can get from BR is more important to the other forummers here. 

It is difficult for me. I do not want to give false info neither want to give out the actual figure. BR wise the nego rate also depends on the branch involved.

Would u believe if I said the figure is rather high, am I bluffing, showing off ?

You can always ask BR with the amount u have and see they agree. That is what is called nego ! If they said no, then a lower % ? Nego, nego.

I am also not sure if the 4.5% is the highest they can give for the 1 year. 

Now e Maybank GIA-i , need to select a lot of thing before able to proceed.

I'm waiting for 29th before try this also, since it is 4%

7 months and above yield more, at 4.5%.
Most of the time I'm splitting all my FDs, from 3 months, 6 months and 12 months. There will be always 1 FD matures every month. And recently with Maybank's promo FD, all my free funds are parked over there. Since it will be over soon, I will be trying this GIA.
Is good for me since I no need to run few banks anymore, 4.5% are quite good already, infact now most banks don't offer > 4.3%.

Whats the difference between Conventional and GIA efd? I mean as in what should i look out for or understand before placing on GIA efd?
Edit: i noticed that for GIA, it stated that "Indicative Rate and Profit Sharing Ratio (PSR)", does that mean the final effective rate would differ from what it stated there?

Relatively new to this, sorry for the noob question.

Sorry but what's BR?

HLB has to nego only can get such rate? Online shows 3.20% only for above 6 months.

The trick is not to talk to teller. There will be an officer in charge of FD, talk to him. If fail talk to the ABM or BM.

never use cheque.. all by cash..

cheque takes time to process and takes 3 working days to clear

the fastest i encounter took me 1 working day to clear

No UHNWI, not me ! Will not be here if one, just talking FD only.  Nego with banks to get 0.05, 0.1, 0.3% increase of FD interest !