when i was tried to create eFD @ M2U for the first time, the eFD account is not created instantly. i called maybank and the officer said this is normal for the first eFD, because they need to send the info to the branch where you created your saving account to process. it usually take up 2 - 3 working days. However, after the first eFD been created, the subsequent new eFD could be created instantly. My first eFD was created within 2 working days. After a month, i created 2nd eFD and it is created instantly.