As the competition for deposits heats up among the banks, it seems the consumer is the one benefiting from it. Based solely on the criteria of advertised interest rates and not taking into consideration banking hours, availability of ATMs, service level, etc. Number 1: OCBC recently launched the 360 Account that pays up to 3.05% interest on up to $50,000 deposited provided the required criteria are met. Firstly, crediting a salary of more than $2,000 into the account. Secondly, paying any 3 separate bills. Thirdly, spending at least $400 on any OCBC credit card. All of which seems reasonable to achieve. I am sold on it and April will be my first month to see if it indeed lives up to the hype as promised. Number 2: A similar account is the BonusSaver from SCB. However, the criterion for that account was more challenging and less attractive. ......