Do you have online access? Because most banks only can have online access with ATM/debit card

Yup. Drop some more. But they will tell you they are the highest still.
Time to switch to Stash account. Anyone has any experience with it?

Ya. That's not the Effective Interest Rate yet. The EIR is lower.

Means, for example, if average balance for last month is $88,000 and this month is $87,000, you lose all the bonus and only get the Base Rate of 0.75%?

Based on the chart, the "best rate" is achieved between RM50,001 - RM100,000.

This post has been edited by vrek: May 11 2019, 05:35 PM

Yes I did. The bank officer showed me the old rate and told me the Stash account effective rate is 3.5% while the Investpro is only 3.15%. I kept asking what does the asterisk mean? He said this is only for >RM100K. So I agreed. Came back then I found out the new rate is 3.25%. I asked the bank officer again about the bonus interest but he said just put in minimum enough.

So the moral of the story is: don't trust bank officer, they have their own KPI to fulfill. And always say I'll think about it and go home look at lowyat forum.

OCBC 360 is 4.1% liao

Meaning you have maxed up your OCBC 360 already?

Different people has different needs. Some of us are in the 60s or 70s - top priority is not to lose the pension money. Not even the 5% service fee which can be a lot. And investment in mutual funds, gold. etc take years. FD is a "sure cannot lose money" type, can withdraw for own use anytime.

3 revisions from 3.6 -> 3.5 -> 3.15 -> and now, 3.0%

Can close account already.
Go Alliance bank open account. 3.5%.

Just went to Alliance Bank.
SavePlus interest is 3.25% (conventional) and 3.30% (Islamic) for deposits of $200,000 and more.

"Your SavePlus Account has never looked better than this"???

Well, it has. It started with 3.5%!!!