Grow your savings with our exclusive fixed deposit promotion. [ HLB | T&Cs ]
14 JULY 2018-31 AUGUST 2018

https://www.hlisb.com.my/content/dam/hlisb/...fd-i-tnc-en.pdf
This one should be over the counter.

4.5% is eFD. However 4.4% is over the counter. For eFD pls refer to the previous posts.

a) open BSA Account 1 (without Annual Fee) >> info https://www.cimbbank.com.my/en/personal/pro...gs-account.html . min RM20 holding balance
b) CIMBclicks, you can create immediately at the branch after BSA application done. they'll guide you to create it.
c) transfer money from maybank/hlb -> cimb bsa. use Instant Transfer, but mbb has daily limit of rm30k.

A. RM20 for basic saving acc, no recurring fees, details please search in cimb website.
if officer told you no such account, speak to branch manager, if still don't have, tell them you will feedback to bank negara.
B. immediately, bring your phone along to get TAC.
C. in theory yes, it should works.

Managed to do so today too. Went and open a basic savings account with no annual fee ( rm20 deposit) and then did a IBFT to the savings account and apply the fixed deposit using the link. Thanks!
I actually did this today.

1) I only needed to produce my IC, they will have a small form with required info to fill up in. There is a  basic account with no annual fees, and only reuquiring rm20 as min deposit ( tell them this). It comes with a debit card ( I dont think banks offer atm only card nowadays). Do note that there are charges to transactions, with this kind of account ( though they do provide some free numbers of initial transactions per years, you'll need to look it up).

2) Did it in the branch itself. The officer will tell you to go to the atm, to deposit the min amount, do so, and also register your mobile phone number for TAC at the atm machine. Register at cimb clicks using your debit card number, and with the tac code sent to your registered mobile phone ( do so at the provided terminal, or more securely, through your own personal phone or computer)

3) Login using the cimb link posted in the forum, and after login, you'll be redirected to placing EFD.