Hahaha, actually not pre-book, get approval before I go on Monday. If not, on Monday, have to wait for approval and cannot get FD cert, have to go back again. 

Ask BR to do ibg or RENTAS to xfer the money out. Looks like BR is not going to have any promo. I have heard it since last year, Raya promo, CNY promo 2018 etc, did not come true.

Or use BR ibft instant xfer of up to 50k per day to xfer dough out. 

Ocbc offering 4.38%

RM30k FPX

Perhaps there are some misunderstandings about this Ambank 4.35% 12 months offer.

But before explaining, maybe some basic tips about talking to a bank and negotiation may be of help.

Firstly, if we simply telephone a call centre or even the bank, we will usually get a nonsense answer unless you are very smart talker or know what you want or know your facts. Quite a number of us here knows about the difficulty of getting a correct answer - which is why we use this forum to share the nonsense and the actual info. But the beginning of your education is that you must realise that this human problem exists, and the need to improve yourself and your understanding about talking to bank people. Otherwise, you will be like many ignorant forum posters  who believe and repeat wrong info.

Next you must understand that quite often when we make a question or request, to succeed, you cannot simply do any old how and expect a decent reply. Mostly it will be a half-baked brief reply - somewhat simiiar to a half-baked question and the standard brush off. Remember that "To err is human" and the corollary "It is sheer arrogant stupidity to expect perfectness".

You should make sure that you are talking to the right person who will have adequate info about you or the situation from you to make a judgement about how well or how badly your request will sound or supported/recommended when it goes up the chain. Usually if you are supportable, the bank person will even offer as if no problem to get approval instead of something like a likely loan defaulter.

Essentially, the problem with rate questions and answers is that most people have the funny idea that what is printed and published in posters, web pages is the whole gospel truth. Actually it is only part of the story, and quite likely a half-baked T&C as well written by bank people who most likely can only see their own side of the story without a clue of their own contradictions.

Moving on to higher rates, poses a judgement dilemma to the bank and especially the Relationship Manager. Should you not be made to have a lower rate so that the bank can pay you less? Are you not going to be just a transient customer with no repeats? Is it possible that you will put in more in future if the bank is competitive or if it tempts you with other impure mixed packages? Does it look like you have more money in other places which could possibly be tempted over? Have you put in considerable sums over a period demonstrating that you are not without means?

For the 4.35%, it is a special rate for Ambank Signature Priority Banking customers. 50k fresh fund minimum at 4.35% for 12 months instead of 50k at 4.3% for 12 months for non-Priority customers. To qualify, you need existing 200k in FD and/or CASA. But can be made priority if able to top up to 200k from a lower figure plus additional 50k for the FD. Or maybe even if you are a non-customer (meaning a 250k placement).
So if the final total FD/CASA is less than 250k, it is most likely that the answer will be NO.

You should just tell them -"I am on my way to OCBC at 4.38% for 12 months. Top that, inform and I can consider". Don't simply go there and negotiate like a poor beggar.

Min 10k? When start? Which branch?

Likely to be so called nego rate ?  Has to be large amt, >100k, I presume ? 

I have nego with them few times and got what I want. But at one time after some arm twisting only got what I want. 

I dislike the most is the 50k per cheque policy (after FD matured), only can send funds to MBB, to send to other banks need 3 days approval from HQ etc. So after my FD expiring end of the year, may not put with them unless there is justfiable gap with their offer. 

Happy CNY to all. Wear red red. No offend people. 🎉

Haha, ang ah, ong ah, huat ah !

Wishing that after the CNY, FD rates to move even higher ! 

Huat ah! Let's hope for 4.5% fd~

even if BSA comes with DC, there are 2 options:

1) Option 2 @ unlimited ATM withdrawal but with AF
2) Option 1 @ limited ATM withdrawal but no AF

If don't take the debit card, confirm no AF right?

best I managed to squeeze from Ambank is 4.37% @12mths

I am not sure if Kepong branch has this promo or not, but maybe try probing them further as they also have short term FD promos for Premier customers like for 3 months tenure but I did not register what they told me though.
The way they told me about the 4.5% 12 months promo is also a bit blur as when I told them 5 March I have somemore funds to put, he asked me to check with him when the time comes.
This one i'm not sure, will check again the exact criteria on 5 March.
I complained already to Ambank saying why so many years i've been a member but no customer appreciation dinner..   

Are you an existing Premier customer or going to be one? I haven't manage to get the printout yet & i don't have online banking either.
I already checked again on it but the response was is for 4.5% promo rate. Maybe he is quite fresh & I did not have time to go to the branch to collect the FD receipt yet. Anyway, finally got confirmation is with Mi FD.