anyway i just the CALL CENTRE again now and informed them of their OUTDATED INFORMATION.. Coz they still sweetly inform me .. latest FD promo 4.05% 12 months... !!!
I request them to update their information to save another customer from making a WASTE TIME trip to their bank...!

one bad experience that I have encountered.

if your fd which was placed as an auto-renewal and its maturity date is stated as 25 Aug 2017 (for example).

case 1; if u redeem this fd ON 25 Aug 2017, ok no problem (means auto renewal is auto cancelled); but
case 2; if u slagged and only redeem this fd, say 3days later, 28 Aug 2017, u will be imposed a penalty for an early uplift to the RENEW-ED fd. ie usually a fixed penalty rate which varies from bank2bank ie rm30

no leh, mine was, upon redeem 3 days after fd (on auto renew) maturity date >

amount received >> principal + earned interest amount for that fd period LESS fixed rate penalty for early uplift

Update 3/10/2017:

UOB fd promo same as last month (did not find out more details as rate not attractive to me  )

HL OTC 6 mth 3.9%, 18 mth 4.1%. (HL eFD 12 mth 4.2% is better)

MBSB able to give 12 mth 4.25% nego rate for >500k FD. Nego to get even better rate !!

AmBank FD promo till end of this week or Monday 9/10 as some members found out.

FD promo:

OCBC, min 10k
Conventional 12 mth 4%,
Islamic 12 mth 4.1%
15 mth: Conventional 3.9%, Islamic 4.0%
Mi FD same promo but with monthly interest

MBSB:
8 mth 4.08%
60 mth 4.3%
12 mth 4.25% for 500k, nego for better rate

AmBank:
12 mth 4.2%
6 mth 4%

Muamalat: No promo for now

HLB got any e-fd promo meh?

still on, 12mth 4.4% 6mth4.25%
what boat?

thanks for the info manage to place it just now.

yes you can open a very basic account and pay no fees at all but that also means no card, no online, no nothing and just a receipt only.
I did just that almost a year ago and planning to renew the 4.4% if no better rates out there.