Went to bank just now, thinking to open FD, i was told that i couldn't open after half an hour waiting there. The reason is the address in my IC is not Sabah address, i have to bring along the current utility bill as a confirmation that i am staying in Sabah. But, the utility bill is not under my name, then how? The AmBank's staff told me that i can open the joint account, hey, i want to open under one name and not joint account, ok? Just don't understand why the procedure is so troublesome now, i am saving money and not withdrawing money, ok??!!