But Stanchart and HLB also charge acc. opening fee (in this case, RM100).

If you want to see a loooong post about it, go to http://www.realestate.net.my/forum/viewfor...288bfac6f7f73a4

Basically, if you have excess cash, get one of those flexi loans. You can withdraw your excess amount anytime without penalty. Think of it this way - it's as if your current account is getting the same interest % as your loan.