mamaliz,
actually kan, if u have the POSB GO! card da cukop. coz dat time when im in msia, i use my POSB card to withdraw money in ringgit. very convenient.. its free.. no annual fee oso..
pasal cheque book, i suggest u take POSB better lah.. coz i dat time da tanye other banks.. most banks nak kene ade duet to open up a current acc.. cume POSB takya.. u cume pi counter, ckp u nak open current acc.. 10 mins later dey will give you a cheque book.. i pakai POSB.. tapi bila part gaji, i pakai UOB.. i tak sanggup tengok queue POSB.. mcm nak menyumpah ajer.. soo long!