i cannot emphasize enough the NO ..... basic no fee SA means NO nothing !! passbook, fees, online, atm, whatever you can name nothing !!
and all activities is mandatory and strictly OTC. 

the only thing you get is receipt and a frown from the CS.

P.S. i also heard that ambanks now slowly not issuing cert too .... some report only got FD receipt so this too.

My ambank saving acc is basic saving account with no fee.. but it comes with passbook and also debit card n online banking too.. but I opened this acc since college time.. so, maybe they changed their product now by provide nothing to ur new acc, but I just wonder how they verify the acc holder if nothing was given..

just back from Ambank Bandar Puteri Puchong branch.
4.4% no issue, interest upon maturity (if 50 year old or above, then can get monthly interest), CASA is a must, very helpful and friendly stuff. 

kena RM12.72 for debit card for BSA, can't open without the card. 

For my info, AM bank BSA(RM 20) need paid RM 12.70 for debit card(first time only), then no need annual fee. If your balance less than ??? amount is zero interest. If dormant 1 account, you need take care 1 account only. 6 time free over counter.

If you apply AM bank True 1 saving account(RM 20) + 1 current account(RM 20), need paid RM 10.60(first time only), then no need annual fee. If dormant, count 2 accounts, you need take care 2 account. This you need register AM bank online on the spot through AMbank tablet on counter. This saving account all amount 1.8% p.a.(Before 2.8% p.a.), and current account zero interest, the current account also free ibg can many time withdrew, 5 free MEPS and so on, but the saving account only can 3 time withdrew and then charge ???. How many time free over counter ???.

You need told the AM bank your email address even BSA or True, no statement like that. Yes, I think receipt only, so you want wrote down you bank account number too, because the receipt printed ink will disappeared.

Above I not remember and no very sure, always changing.
Thank you all of you in here help and teach me before.

possible to maintain the account by just cancel the ATM card to avoid annual fee?

You have to read the T&C or ask the bank staff. Usually if you place on day A, and take out early on day B, the number of days is D = B-A days.
If the FD rate is R% p.a., then the due interest is Principal x R /100 x D /365 for most banks that use 365 days in a year for their interest calculating program. Usually the bank will simply deduct half the due interest as penalty from what you finally get back.

However, there are other ways of penalizing beside the above way at different banks for their different FD or Islamic  investment or Unfixed FD products. Some newer FD will simply deduct the entire due interest. Some may use a different rate such as savings rate. Please ask them to explain how they calculate  for the particular FD. Do not just simply accept an answer like all done by computer as there could be changes and mix-ups. It is best that you calculate first to get an idea of what to expect before going to the bank to avoid getting the wrong reduced amount.

Hi, that is why I am asking for those who renewed their CIMB unfixed deposit still getting the promo rate? Because if based on board rate 12 months is only 3.35%. See link --> https://www.cimbbank.com.my/en/personal/pro...sit-latest.html

Unfixed deposit CIMB did have a promo rate previously - please see link for 2017 promo rate http://yourfinancialblog.com/tag/unfixed-deposit/

So I would like to clarify those who placed it under promo rate previously, still get to renew to this promo rate? As some mentioned 4.2% / 4.3% ..thank you

That 3.35% for 12 months is for normal CIMB customer Unfixed Deposit board rates for small size deposits. Try looking for board rates  tables for various tier Preferred Customers like chrisoth80. Sometimes, it is just set at certain percentage above the rate offered to other normal customers. When the T&C states renewed at board rate on auto-renewal, it means at the board rate at maturity date for the particular FD product -not a promo rate or some other board rate or the main normal board rate displayed.

Many people may have the wrong impression that the normal FD board rate is the only board rate around although actually  it is only one of many board rates for particular products. I have mentioned before that there are other kinds of FD rates for the rich which are not usually mentioned but they are not usually promos like what we are used to here. These non-promo products are usually sort of perpetually running product offer with their own board rate for various months revised from time to time. Normally, banks will cater for seniors, children, teens, students employees and even for special niche markets.

Although one may have 200k deposits or 1 million mortgage with CIMB, CIMB still reserves the right to accept by invitation as well as unpreferred a customer.

Thanks for clarifying. Really then, might as well just park all the money in FD and declare 4.36% effective rate. I guess the number 4.8% seems to be more enticing from a consumer's point of view, until they read the fine print.

It depends on your specific CASA interest rate then, as it affects the overall effective rate.

Not every CASA is the same.
There are CASA that don't have interest rate as well.
While there is CASA interest rate that is step based, aka the more you put in, the higher the interest rate is.

Since 10% needs to be earmarked
4.8% x 0.9 = 4.32%

So effective rate would be = 4.32% + (10% x Casa interest rate)

Currently there is 3 months promo FD rate at 4.15%.
Why need to have troublesome (need to be Astro subscriber + earmarked CASA) to put in this one? 

Yes it probably has somehing to do with CIMB using 366 divisor for leap year, unless suspect somehow somebody inside CIMB did something!

To your last point - Is the interest the same if the period is for 1 year from some date in 2020 to mature in 2021? to rephrase your "But it should not matter for 1 year FD placement right?"

Despite the "common sense", mathematically and logically it is impossible. Perhaps somebody will explain why this is so and what is the problem with the common sense "should not matter".

But we do not need to be a mathematician or a logician, because we can sort of "prove it" practically by running scenarios for Effective Date before 29 February 2020 and after.

Whether you use 366 divisor or a mixture of 366 divisor for 2020 IBD days and 365 divisor for 2021 IBD days, you will find that it is always less than what you get from using a standard flat 365 day divisor for leap year as well. Just try it. Be practical and accurate. Don't trust your sense or what people say or think or write or believe in formulae that cannot deal with differences-especially if you do not truly understand where things actually deviate from the underlying unexplained logic and assumptions used in the formulae. Most people are not mathematicians and so do not understand that some maths only work because there are conditions to make it work especially in the area of time based calculations. This is not something abstruse, but practical. In general, the interest is  - 365 divisor > 366 and 365 divisor mix > 366 divisor.

So yes, probably everybody is getting less than expected - for the simple reason - do not know how to do scenarios to get the "right" answer before placement  and making does not matter wrong assumptions without doing the due diligence to test assumption/correctness of self belief. The differences can be quite something, not a few sen kind of affair.

And I do not have any FD at CIMB nowadays from some years back when I was a big FD customer, so I cannot say I know how they calculate things now.

you are still allowed to withdrawl, in full, for premature withdrawal.

did you continue to withdraw? or just scared and exit the page once it show you the "31 days notice" alert?