U will see the below ads when u login/logout to/from your cimbclicks. Just click on the ads for the T&C. I've copy paste below (only a few clause) for convenience.

[attachmentid=8777997]
CIMB BANK BERHAD'S TERMS AND CONDITIONS GOVERNING THE "6 MONTHS & 12 MONTHS ELECTRONIC FIXED DEPOSIT CAMPAIGN"

1. The 6 Months & 12 Months Electronic Fixed Deposit Campaign ("Campaign") is organised by CIMB Bank Berhad ("the Bank" or "CIMB Bank") and shall commence on 1 May 2017 and end on 30 June 2017, both dates inclusive ("the Campaign Period"). The Bank reserves the right upon giving fourteen (14) days' notice to change the duration and/or the commencement and/or expiry dates of the Campaign Period.

Special Interest Rates for Electronic Fixed Deposit ("eFD") Placements

4. To be entitled to the following Special Rates under this Campaign, the Eligible Customer(s) must make a minimum single deposit placement amount for the fixed tenure as per the table below during the Campaign Period:-

eFD Tenure: 6 Months
Special Interest Rates for eFD Placement ("Special Rates"): 4.00% p.a.
Minimum Single Deposit Placement Amount in eFD account: RM10,000

eFD Tenure: 12 Months
Special Interest Rates for eFD Placement ("Special Rates"): 4.15% p.a.
Minimum Single Deposit Placement Amount in eFD account: RM10,000

ampaign Mechanics

5. The eFD placement must be made through CIMB Clicks. Eligible Customer(s) must log into CIMB Clicks and click on the promotional banner regarding the Campaign to make the placement. Only Eligible Customer(s) will be able to view the promotional banner.  

6. Fixed Deposit placements performed at any branches of the Bank shall not be eligible for the Special Rates.

7. The "Special Rates" are applicable for eFD placement of one (1) cycle only.

8. Interest will be paid out upon completion of the eFD tenure.
Cheers 

OK, went to Bank Muamalat branch this morning. Got the FD cert after 25 minutes. Good service !

- BSA start with RM100, minimum RM20 in acct
- For internet banking need to open CASA, need debit card which has yearly RM12 fees

[attachmentid=8857495]

Sorry i really noob here and sorry if i ever ask you guys to spoonfeed me,i just wanted to be prepared before i choose what bank that i should invest in
Thanks in advance and cheers

I was just trying to be nice,since i cant find anything on google or not that i can understand,so i asked here,if you think its too hard to help a newbie out,then why you bother reply nonsense?
I though this is a serious place people who discuss thing unlike kopitiam,if you dont want to help me that's fine,if everyone dont want to help me that's fine too,atleast dont flame when others need help.

hongleong harvest account.
4.15% plus free steamer.

https://www.hlb.com.my/main/promotion/20170...savings-account

unfortunately i do not qualify

I have a BSA without fee account + CIMB master debit card, no account fee and no debit card RM15.90 annual fee too. But the catch is my debit card doesn't come with debit card function, it's only an ATM card although there is a Master card logo printed on it. Debit card function can be reactivated at any time by calling up Cimb CS but CIMB will start charging AF RM15.90 thereafter.
Do a test, charge your CIMB debit at any CC merchant to see if your debit card works.

Debit card used to be free for BSA previously but I think Cimb's fees and charges policies had changed.

Must go counter for 4.3? Can I just transfer 1k online?

THERE is a view emerging out there that Bank Negara will have to raise the benchmark overnight policy rate (OPR) by the end of the year or early next year.

This view is premised on a strengthening economy, which usually means higher inflation as wages grow, unemployment comes down and consumption picks up. Earlier in the year, the market consensus was for no change in the OPR this year.

The last time the OPR was tweaked was almost a year ago, when policymakers decided on a rate cut of 25 basis points to 3%. Then, the economy was weaker.

The monetary policy committee meets on July 13 but the market consensus is for no-change in the OPR, as it would be too soon for the data to show a firmer trend.

But Malaysia’s economy has definitely strengthened, growing 5.6% in the first quarter and there is every indication that the economy will continue to pick up on exports growth and business spending.

Indeed, in the coming months, policymakers will change their view on the sources of inflation.

The prevalent view is that inflation has been cost-push driven, but as private consumption rises, inflation could very well be demand-pull driven.

Another factor that will pursuade policymakers to look into a rate hike is the weak ringgit. Don’t be fooled by all the headlines and salutary reports in recent weeks of the ringgit being one of the best-performing currencies in Asia, because compared to last year, it’s still well above four to the US dollar.

The direction that the US Federal Reserve (Fed) takes on further rate hikes as well as the start of the reduction of the US Treasury’s balance sheet used to boost the economy in the aftermath of the global financial crisis will also be factors that will have an influence on Malaysian policymakers.

The Fed has raised the federal funds rate twice this year. The benchmark US interest rate now stands at between 1% and 1.25% after another 25-basis-point hike last month. There could be two more hikes coming, which mean another 50 basis points.

Another two rate hikes will mean better interest rates for those invested in US dollars, while reducing the US$4.5 trillion balance sheet essentially means that the Fed will not buy more US bonds, which mean lower bond prices and rising yields. These rate hikes will put more pressure on the ringgit and a weak ringgit has contributed to core inflation, which picked up in May to 2.6% on a year-on-year basis. This has gone above Bank Negara’s target of 2.3% to 2.5%. Core inflation excludes food and fuel prices.

Inflation pervasiveness has also become more apparent as tracked by the central bank’s measures of everyday price inflation and perceived price inflation, which captures price increases in frequently purchased items (60% of the consumer price index basket), show a persistent trend higher than headline inflation, which includes food and fuel prices.

A hike in the OPR will help ease pressure on the ringgit and this will certainly help with inflation. The major factor holding back a rate hike is the risk to growth.

With Malaysia’s high household debt, there is the fear that a rate hike could crimp growth, especially in private consumption, which has been a mainstay of domestic demand given tepid spending from businesses until recently. However, the economy should be able to weather a 25-basis-point hike if growth stays resilient, wages rise, businesses continue to spend and jobs are created.

Read more at http://www.thestar.com.my/business/busines...hhTc57uX6jUj.99

Hi, I would like to put a FD under joint name with someone, can I request that the FD only can be lifted by  me ONLY?

Revision Of Base Rate (BR), Base Lending Rate (BLR) And Base Financing Rate (BFR)
We wish to inform you that with effect from 11th August 2017 (Friday), there will be a revision for the Bank's reference rates for both AFFINBANK and AFFIN ISLAMIC Bank.

The new reference rates are as follows:

Lending Rate Current Rates
(% p.a.) Revised Rate w.e.f 11/08/2017 (% p.a.)
Base Rate (BR) 3.74 3.85

Lending Rate Current Rates
(% p.a.) Revised Rate w.e.f 11/08/2017 (% p.a.)
Base Lending Rate (BLR)
&
Base Financing Rate (BFR) 6.60 6.71

Our indicative effective lending rate for a standard housing loan/home financing product with financing amount of RM350,000 for 30 years and has no lock-in period is 4.65% p.a.

Can share sources banks are short of cash flow?

I just came back from PBB. At the counter, I saw the promo FD. They have 6 months and 12 months, quite attractive rate, if you ask me but I didn't memorise it because I was not going to put in any FD for now. The difference now is the final month interest is a big jump. For example, 3.xx., 3.yy, 3.zz.... 6.aa%. I guess they want to persuade people against early withdrawal.

anyone taking CIMB e-FD 4.0%?

It shows on my page when i log in my cimb clicks. Not sure if it is selective.

MBSB FD rate 4.2 15 months
Am bank FD 4.2 12 months
Which one is better?
*I dont have Am bank saving account

The bank staff told me that.
Damn... 
Prefer to open at those branches that open during weekend. More convenient if need to do anything that need to go to the branch.

Want to ask how u guys get ur RM?
Is is based on business/corporate needed, then u know the RM?
Or when u deposit/purchase bank's product (large amount), then will have RM to serve u?

 
Wow! Must make sure to remember your method !
    Respect !   

Maybe I should use this method. 

But are there any difference between basic saving account and the normal saving account other than the initial opening amount? (RM20 vs RM200)

I have a FD maturing and looking for a good deal.

Which bank gives the best FD rate currently until early December?  can be 12 months or any terms as long as the rate is good.