unless he/she dun fil secure with gia i.  :confused:

thats a decent rate for savings account

no.

there are reasons why it's called "fixed" in FD 

In fact, u can placed FD anytime with RM1k

Is there any reason u must combine?

Cheapskate calculations here:

1) rhb 4% vs hlb 3.95% = extra RM10 interest.
2) not worth as bank draft = RM5 + efforts and petrol to go bank..
3) hlb can be done at home via fpx payment

HLB ftw, as my fd is small amount + easiest to open fd

Newbie here. Just wanna get some opinion from all the senior here. For example, a bank just called up and said can give me a special flexi personal loan around 10k. And the interest rate is 3.99% per annum. No other hidden charge or processing fee. Do you think I should get this 10k to do something? Maybe can earn some money using this 10k since the interest is only rm399 for 1 year.

after I reach home at 1PM, I sent an email to Hong Leong CS at customerservice@hlbb.hongleong.com.my about this issue. 

Hong Leong complaint department called me at 4PM telling me they requesting the employment letter for the purpose of "Knowing Your Customer", they have the right to reject because I unable to provide them that document.

I was like  .
My salary is not credit to Hong Leong so of coz I don't have the letter, but this does not stop me from opening the Basic Saving Account, right? Unless I am blacklisted by BNM. 

The person from complaint department got my input and promises will discuss with the branch. Then I reply on top my email to Hong Leong about the summary of the phone call discussion as a record.

At 7:30PM, the branch officer which reject me from account opening called me saying he got approval and I can open the Basic Saving Account. (Open Basic Saving Account need approval  , maybe only hong leong   )

Anyway, I have arrange a time with that officer so that I will pay another visit to that branch to open my Basic Saving Account for the eFD promotion. so troublesome 

Why are you so loyal to HLB? Other banks board rate already 3%. Look at page 1, Affin and RHB already 3%. If everybody keep putting their money into savings and low board FD rates, surely there is no pressure for the bank to increase the interest rates. If they have enough cheaper money from loyal clients, no need to be so desperate to raise their board rates or have competitive promotion FD rates. Some promos are not really about raising money but just to earn more profit by getting people to buy/use other products.      

Hope the paper OTC GIA FD will follow the brochure and advertisement screen for the final effective 4.10% this time. Previously, Maybank held on to the 4.5% stated in my case anyway. As at Monday 21 November, they still had the brochure for the 4.10% at my branch, although an old lady and myself queried as we were doubtful as already rumoured 12 months already closed and GIA rate going down. I placed one paper GIA earlier in first week of November when I found that they had not closed it yet, but no more money for 21 November.   
In Mamamia case which is an eGIA online placement, your calculation is as expected as happened to my even earlier eGIA from June. The calculation is explained in page 97 of this forum thread, Deal Hunter @ Nov 20 2016, 01:35 PM in reply to Kamen Rider @ Nov 19 2016, 01:01 PM.
Andrew_1980 and those new/uncertain about Maybank online eGIA should take note of your calculation together with the explanation.

The miniwebtool calculator for fixed deposit is great for normal rough calculation of what to expect. It is based on the normal kind of arithmetic we learn in school and what you can expect from a financial calculator or a normal financial spreadsheet.
Various forum posters had posted about calculated results being different. One person even asked how come predicted/knew it will be 1 sen less from the calculation. Actually a lot more sens and even dollars off had being experienced. The simple explanation is that the calculation and results depends on the bank's program treatment of what is a bank day (or part off to give for some really not so generous banks), the divisor, and how they treat payments made or payments due, and when creditted/withdrawn.
Unfortunately, different banks have different ideas/policies/implementations - or maybe they do not really know what their different programmers and programs are up to actually in the nitty gritty level where things are usually different in many ways as each step is done although results are expected. Most times the banks do not like to lose/pay more generously, but also want to avoid what can be considered outright cheating or extra charges.
We cannot have access to what programs are used and study the quality of the documentation and the program modifications. Most likely, even the bank staff/experts  are not really aware what their software vendor has done in real detail trying to comply in their own peculiar ways to the requirements or updates.
However, we can reverse engineer/compute various approaches/scenarios to come to a close approximation or eventually to an exact prediction that matches every time for a particular bank/product.
Just for illustration only:-
Principal 100,000 for 366 days at 1% using simple interest for an FD. What is the result and what do you think you will get at Hong Leong and Maybank. Let us not complicate matters by mentioning other banks at all. Try to explain the results. If you use the miniwebtool, the interest is 1002.74.
If you want to check with a 12 digit calculator, it is 1002.73972602. If you understand the question, and its implications, you will have learnt something basically useful such as questioning your instruments, programs or validity of what is done. If you think the answer is so simple, you can get a distinction in school where things are simplified, but life is not so simple after experience.    

Anyone knows which bank has the best 3 and 6 months FD promo rates?