No point asking CS or even RM "complicated" questions, based on my experience with numerous banks, their CS and RM's product knowledge is very poor - many times give wrong information. Better for you to go read the T&C yourself.

This BI and some banks still come out with this sort of "scams" nowadays, in the long run hurt their own reputation only.

My Affin FD mature yesterday, so i went to the branch and took out the FD, request a banker's cheque (cost RM5). They ask me to stay with Affin, but cannot match 4% for 6 months, overall was quick, took 20mins. Left the branch, and the nearest Bank Islam is less than 2KM away, drove there, went into branch, took q number (and it was one number after the current wait, lucky). My turn came, ask to put FD promo 6 months 4%, gave my bank cheque, IC and driving license, staff ask where money from (said savings and investments). Then sit down and wait. Took 20mins and call me name and done. The placement date was at the same day, and got the physical cert too. I will say, very good experience. 

just keep in milo tins

What is the over counter rate for Affin?

For all its shortcomings, MBSB system auto adjust maturity date to Monday. Though it would has been better to have done it during placement time, but it could be system improved after FD placement.

Anyway if extra 1 day interest is given on Monday, no complaints ! 

Extra 1 day already good, extra few days, hahaha !

From previous experience, same day can withdraw. Last visit May 2021 with their "Go 7" (or another name campaign ?) eff. rate 4.65%.

Finally HLB increase 

HLB eFD 29 OCTOBER 2022-04 JANUARY 2023

3 months - 3.00% p.a
6 months - 3.30% p.a
12 months - 3.50% p.a
18 months - 3.60% p.a
24 months - 3.60% p.a

https://www.hlb.com.my/en/personal-banking/...fd-i-promo.html

TIA increase as well

3 months - 3.10%
6 months - 3.40%
12 months - 3.60%

Placed my 3rd Bi fd today, the girl told me yesterday a man placed RM1 million. The money flows in you can imagine...other banks simply no fight

Yesterday in MBSB to withdraw FD, Rentas to B Islam. MBSB officer asked about BI offer. MBSB 3.9% 12 mth was the best about 2 weeks ago, overtook by BI.

Went to Citigold to get free parking. Yesterday last day as CB in Malaysia, asked the Citigold centre remain open for now. Next day UOB already. Anyway already got account in UOB also.

In BI, though has to re-open FD acct again, took about 1hr 15 min to get FD cert !! Due to Monday, very crowded in the afternoon. Staff is friendly and courteous.

Found that BI different branch in Penang has different policy. Some branch can accept cheque and issue FD cert the same day. Asked the branch manager, still said his branch still need to wait for cheque clearance to issue FD cert.

What an SOP for the same bank !!

Bank Muamalat joining in! 4% for 3 months. Best 3 month offer at the moment?

www.muamalat.com.my/campaign/fta-i-fd-i-fleksi-mega-campaign

Looks like the best place for short term funds if expecting further rate hikes.

But are they under PIDM? Some conservative freinds here might want to know

How is their opening account service, etc?

The Islamic Banks are the ones pushing up the rates aggressively this round. First BIMB, then MBSB countered. Then BIMB upped their own rates within a few weeks. Now it's Muamalat.

3 months 4% beat even many other banks 12 months.

It's only 3 months though. Banks can be a slow in giving out new promos. Based on these last3 rounds of OPR increase, takes a week or weeks to see rates trending upward.

Can do some quick maths. 1 week interest lost vs potentially higher rates? But honestly 3m 4%, i believe that is rare pre covid too.

True also, but some banks may not react fast to OPR hike, except bank loan.

Versa Cash now offers 4% for first RM 30K, any extra amount more than RM 30K will get 2.5%
https://versa.com.my/?gclid=CjwKCAjwh4ObBhA...RRoCWZwQAvD_BwE

12m 4.2% i plan to do 3month at 4% Muamalat.
win some lose some cant win all...like my BR 12m 3.3% stuck and Alliance 600k 3.5% 3 month

Schedule of Monetary Policy Committee Meetings for 2023

18 and 19 January 2023 (Wednesday and Thursday)
8 and 9 March 2023 (Wednesday and Thursday)
2 and 3 May 2023 (Tuesday and Wednesday)
5 and 6 July 2023 (Wednesday and Thursday)
6 and 7 September 2023 (Wednesday and Thursday)
1 and 2 November 2023 (Wednesday and Thursday)

RHB PREMIER
6m 3.75%
12m 3.85%

Haha, at least Affin did not exceed BI 12 mth 4.2% that I placed yesterday
Affin Bank FD promotion rate FOR INVIKTA CUSTOMER:

Applicable for both conventional and islamic FD account

4months 3.30%p.a.
6 months 3.65%p.a.
9 months 3.65%p.a.
12 months 3.90%p.a.

Minimum placement amount RM50K

Promotion period from 4 November 2022 until 30 November 2022

*rate subject to changes from time to time, will update again if there is any

*Invikta FD rate only applicable placement over the counter, not applicable for online FD placement
Affin Bank FD promotion rate:

Applicable for both conventional and islamic FD account

4months 3.15%p.a.
6 months 3.50%p.a.
9 months 3.50%p.a.
12 months 3.75%p.a.

Minimum placement amount RM8K

Promotion period from 4 November 2022 until 30 November 2022

*rate subject to changes from time to time, will update again if there is any

*FD rate only applicable placement over the counter, not applicable for online FD placement

Does RHB provide a proper FD certificate or just a transaction receipt ?

you bring cheque or what method to transfer $ there?

if cheque.. fd dated 2 days later?
need open savings ac? for the 3 months FD