of coz.
but on the bright side, my housing loan now only 4.1%

Push to go for other investments such as equities,  properties etc.....

i think it's not about coping with high number of new clients..when i was there opening new account I am the only customer in entire banking hall 

so i guess it's more about their internal process..

Haha they CTOS check me for FD placement      Then, took 3 business days to open the account and place FD.

yupp, but then on the other hand, the teller did a favour to hold on the cheque for me whilst waiting for the account to open throughout the weekend. so i just have to go twice , one to open and the other to collect the FD cert. so overall, its still pretty okay. 
Copied from my old post haha
"basically, 13 May (friday) wrote down details and passed the cheque.
19 May (thursday) - they called to collect the FD cert. SMS came saying "Cheque amount debited from account".
20 May (friday) - collected the FD cert, cert stated FD starts on 19 May.  "

Oh and I did in the KL main branch. Another problem is that there's no parking 

So sad. I don't know where to place my funds now. I just placed at Hong Leong Bank for the time being. 3.30% for 1 month.

Sure hope they come out with some Merdeka promo this month . I have one maturing end August.

just to keep anyone interested informed...
hlb... 4% pa for 12 months.

cimb 4% 6m, 3.9% 12m.

hlb is my fav bank to do fd's.

(besides the branch i go to being close by with easy parking, which is very impt.)

their rates are usually among the best, if not the best.

ya, i was told about the 4.15% then, but requires "fresh fund", i.e. merry-g-round, take money out, go back in, a hassle.

prior to my renewal at 4.0%, i had 4.5% for 6 months, very good.

HLB 4.5% for 6 months was one of the best rates I have deposited, but it still doesn't beat Affin's 4.5% for 12 mths deposited just b4 the rates cut....

ya, we've been thru all that, can try all kinds of tactics.. incl yelling!

Went to Affin Bank Kepong, wish to go for Package 1, but the officer told me need to open CASA for the purpose of crediting interest upon maturity.

I told her since have to open CASA might as well go for Package 2....better interest. Then the whole process of doing FD, open CASA, apply ATM card, debit card took me 1.5 hours. Totally not efficient at all.

Furthermore, the total fees for debit + ATM card come close to RM30 per year. Cancel after maturity already need RM60.

My opinion is if not a big sum, better go for Package 1.

But why have to open CASA for credit interest ?? Maybe the officer tipu me....

Yes, eventually it took me 1.5 hours to get the 4.15 %

there was a point early this year when fd rates exceeded housing loan

That's the intention of BNM, tempted you to remove your money from saving

Instead of prepay, consider re-draw if applicable

even before that happened, repay housing loan is worth than fd. unless you're holding asb and/or similar products that has higher rate than housing loan rate.

Yes

Public Bank will be launching their FD Promotion tomorrow （12/08/2016）but rate unknown till tomorrow.

Let's see whether they are offering better rate than Affin & Bangkok Bank, if not, I shall lock for 15 mths with Affin.

There are unkers and aunties who die die must put PB cause other banks are GLC.
Also, there are people who die die put board rates with PB so that thier priority banking will not be revoke.   
Also, being a Chinaman bank, they don't offer competitive rates. So less loss for them.   

So no worries. With the above, PB always will have more than enough money.  

I wud suggest split 50:50 into Affin n Bangkok

Just go with Affin Bank. Always choose the highest interest giving bank unless they are out of the way. Your loyalty lis with your money not the bank.

Hahah, well not everyone focus on a more conservation investment, ie FDs. They look at other wealth products/unit trusts/low risk investments/etc from their own team... for example, CITIGold (sg, not our rubbish malaysia) they do time in time advise on the best investments and products to look into for both short and long terms, and their banks has probably one of the shittiest interest rates in FDs hahaha

Need to tolerate on the efficiency

Their counter service is rather slow in some branches

Still remember those days in 2009-10? Even 3% promo was celebrated like god sent.