If you can tahan the slowness at BSN. Personal experience waited for 4 hours+ just to open a SA.

Took me only less than 10 minutes to open FD in BSN...
plenty of BSN branches whole Malaysia.. within the vicinity of my area already have 3 branches...

That's 4 hours just to open a SA. But that was 5 years back. Things might have change in 5 years. Btw, if you read the bsn reviews by the many forum members, nothing have change (the waiting time)

You are pretty right on this, I just back from BSN 40 minutes ago, was over there since 9:30am, took a number of number 30 and at the mean time I went to wet market buy vege, meat and managed to TCSS in the food court, went back BSN around 11:30am, it was number 22
So I went to the wine shop nearby and buy few bottles of wine and another round of TCSS, 12pm run back to BSN and still standing strong at 22
Oklar, they do improve the service, 2.5 hours of waiting and I just walk off.

For MBB efd 4.31%, I transferred the fund from another Maybank account also they consider it as fresh fund.

How do you know it is confirmed getting the promo rate of 4.31%? When you click on "view my accounts", the interest rate is as per the promo rate?

I met with the RM today to confirm on this, she said after checking with her officer, uplift eFD to savings and then to place in eFD (Conventional) will not be considered as fresh fund, but I hv no idea how the system going to trace this.

maybank new fd promo not tat good. first 6 mth 3.4% onli. if opr change they may change the rate oso. bad.