He say that they need 2 photo verification. Haha. That's when I also found out that my license expired lolol.

PIDM protected?

How the interest being paid? Monthly?

Any minimum amount needed?

with a big "call us for more info", probably there are some other products attached to the FD rate.

you can foretell the dates of your trips one year in advance?

Personally, I will use banker cheque.. safer..
Although 100k only 10 stash, but it's obviously visible and can attract unwanted attention

surprisingly no one talks about the cimb 5% promo for the previous 6% clientele.

Today's FD promos (Monday 11 Feb 2019) at some banks,

AMBANK minimum 10k, ordinary customers
8m 4.28% CNY eFD/eTD-i promo 18 01 2019 to 28 02 2019.

Minimum 10k for Priority customers, subject to change/maintain every week:-

12m 4.3% Islamic OTC.
12m 4.25% Conventional OTC.

CIMB minimum 10k FF OTC until further notice (ufn) -i.e.  change anytime any week

4.2% p0m6 Islamic
4.15% p0m6 Conventional
4.3% p01m12 Islamic
4% p0m12 Conventional

MBSB

no promo, only board rates and nego.

OCBC minimum 10k FF OTC end 19 02 2019

3.8% p1m6
4.15% p01m12

PUBLIC

4.2% p1m12 OTC Conventional/Islamic minimum 10k FF 31 03 2019.

RHB

4.25% p0m5 OTC minimum 10k FF 03 01 2019 to 28 02 2019.
4.38% p0m12 OTC minimum 10k FF 08 02 2019 t0 18 02 2019.

4% p0m3 FPX Islamic eCMD-i minimum 5k FF end 31 03 2019.

UOB minimum 10k FF 01 02 2019 to 28 02 2019. p1 for Conventional FD Plus, p0 for Islamic.

4% m4.
4.15% m7.
4.2% m12.

very nice list there, however would like to ask a little bit more ... is there anymore promotion on 3 months FD other than the above ?
thanks ahead as i have 2 expiring next week and these ones i am not looking to lock any more than 3 months.

Assuming RM100k is to be placed into FD.

To my understanding, depositor will just transfer RM100k from Bank A to Bank B using RENTAS (OTC/ATM). Apply FD in one account. Upon maturity, transfer using RENTAS again.

But if opt for convenience, Instant Transfer (Internet/Mobile banking) is better right?
Due to daily transaction limit (RM50k?), need to break down the money into smaller portion. For example, place RM30k at Bank C, RM30k at Bank D, and RM40k at Bank E, rather than all focus in one bank.

Concern is RENTAS may need long queue. But splitting into smaller portions also mean need to go to banks many times.

Any comment?

What does this means? Can you explain more?
Is that mean in coming year, the FD rate reduce?

Don't try to show off here !! Good for you only ...
Do you ever think off those retiree which no boss want to hire & only depends on the FD interest to SURVIVE ??
read properly it is Surviving only, Sick also can only begger at government hospital, wait long long queque, pain also have to tahan, cannot complaint to nurse, else kena marah, sudah hampir Free punya charges, apa mau lagi, mau cepat pergi private lah !! We cannot afford to visit private hospital, even though like KPxx, Columbxxa, medium range cost, chin-chai2 cost you RM180-250 per normal visit doctor, not admit to ward that kind !!
Normal fever, cough to see private clinic also cost RM60-80, if need injection, chin cai have to pay RM150 then only can walk out from clinic, we hv to pity our clinic doctor also, I got see the bill, doctor consultation fee is only RM20-30, other are mainly medicine & other misc

Want to die pun not easy, a cheap cheap funeral (2 night, 3 days) plus a place to put "bone powder" can cost you RM25K, note, very chin-chai one, those paper house, car also not good quality (can see from your own eye), joss paper burn for dead people also limited supply, friend & relative can only got plain water & peanut, not food/ kiuh will supply. Place to burn the body also go to government one, the place to put the "bone powder" also under charity like Persatuan Cina Kwong Tung/ Hokkian that type.
Nirvana (Fu Kwai) or other private,a "single" place alone, cheapest ("foot level") also cost RM10-15K, not yet ceremony & etc.
You ada paham a bit now ??

   

Ya-lah, need a lot of money for your level !! since the rate is down, down & down again...
I already have only the little !! already cannot survive ... now cut & cut again ...
ask old folks like me eat what ? No right to sick, is it ?  that is why I say survive (生存 Not 生活)

You rich people cannot imagine one how people live at "down"/ poor level here !!

You all only think, wah ! good loh ... the rate cut ... I can think change new car loh, can buy more property for rental income loh !! wah ! next time sub-sale can gain more! kaya loh, wonderful loh !!

......
......
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If you are still young, you wouldn't understand lah, what we old folks worried about ... one day later when you also old liao, maybe you will understand, hope that time your life is better, no need to worry & off course no need to understand, all the best & good luck. 

lol, don't trigger ppl in FD thread bro. u'll get different reaction at mortgage thread.

Explained before.
p1 is interest paid monthly. If effective date is 24 May, then interest creditted into your named casa account on 24 June, 24 July etc.
p0 is payment of interest on maturity.
p3 is payment of interest every 3 months.
p6 is payment of interest every 6 months.
p01 is payment of interest at maturity or monthly up to your choice.
You get the idea. Like p663m15.
It is compulsory to have a casa account if it is not p0. Your bank may have different rules about the kind of casa account that can be used for creditting interest.

Some banks are even introducing compulsory casa for p0, and even changing from auto renew at board rate to automatically credit principal into casa  account on maturity. This is much better than uplifting renewed FD at board rate and losing all new interest due to penalty for early uplift of new renewed FD. At least get some savings interest and do away with bother of uplifting and making it easier to transfer out the money.

this has been explained before. simply search "p01" and you will get all info.