Just apply for a free BSA. After all they didn't mentioned that we cannot open a BSA for the promo right?
Another case as recommended by someone here, just apply their cc (which is foc)

This post has been edited by Ramjade: Aug 13 2016, 06:57 PM

Debit card is RM 20 per year + 6% GST

According to Affin's Charges List,
Normal Savings - RM10 for issuance, RM8 annual fee
Basic Savings - RM12 issuance, no annual fee

http://www.affinbank.com.my/General/Tariff...nk-Account.aspx
http://www.affinbank.com.my/General/Tariff...rvices-ATM.aspx

Thank you all for the informative replies
I'll pay a visit to Affin next week

Yes. But you only earn half the promised interest. Eg you are suppose to get 4.5%, but because you uplift even a day earlier, you only get 2.25%

The partial interest is applicable for certain durations n above ony

most cases, <3 month no interest. >3 month half of interest promised on placement time.

depends on how near / far to maturity date..

so how far / near to your FD maturity date?

FD depositor usually can do a premature uplift before th Maturity Date but subject to penalty. What you need to know is what is your Effective Date of your FD certificate. The other aspect of importance is the tenor i.e the period involved. For short periods, you will probably get no interest at all. For longer periods, you may hope for up to half the promised rate, if the date of premature uplift you plan to do is 3 months beyond the Effective Date. After saying all that, regret to say that different banks/branches may treat things differently. Some places will calculate the half interest based on the number of days from the Effective Date. The divisor may be 365 or 366 or a combination depending on your FD. If interest payments had been done upfront, monthly or on a step-up basis, similar or different penalty rules may apply and deducted from the principal and any interest returned to you.

This post has been edited by Deal Hunter: Aug 14 2016, 06:06 PM

hi everyone:

for these 2 banks fixed deposits:

1) Standard Chartered Malaysia
2) HSBC Malaysia

Can the withdrawal be done at any branch or has to be at home branch?

Home branch only. Unless you can withdraw the fd online and place it in a current/saving accounts.

Not sure HSBC.
SCB Allows you withdraw at any branch...

For HSBC, you can do it over the phone, I never done it myself though

Yes, HSBC can done thru phone too...

While it is not necessary to go back home branch...

general rule:

paper-backed (local homegrown banks) - same branch
paper-less (foreign banks) - any branch

yeah.

so hsbc and scb need not go back to home branch. tq

There are other banks but may have some size limits involved.

MBB m2u saver interest rate dropped from 2.25pa% to 2.0pa%

Just placed CIMB FD 12 months 3.9%