Yes. Well aware of the risk but so far it's not happening now. The fund isn't making a loss and it is still declaring a profit rate of 4% per annum. So far I noticed the error in two accounts placed on the same date. Not sure about the other accounts yet but another one account that I opened a week later with smaller amount already accumulated RM6 in profit while these two accounts in question with RM3k each have accumulated just RM2 of profit respectively.

I spoke to the Maybank CS. Initially there was no solution to this as she wasn't familiar with this type of account. So she requested for a call back and she did call me back about 30 minutes later.

She mentioned about the first month profit being paid directly to my savings account. The two accounts in question were placed more than a month ago and profit for the first month should have been paid sometime early this month. But the problem is the account they are supposed to credit the profit to was closed late last month. I closed my M2U Savers late last month and the first month profit was supposed to be paid into this account.

She said I should have received around RM9.80 for my 3k placement in GIA-i for the first month (two accounts with the same placement amount affected so the total profit missing is RM19.60). Not sure where did the money go. To a ghost account may be.

The term for the three affected accounts is two months. Profit payment frequency is on a monthly basis. And profit payment mode is credit to account.

The problem came from profit payment mode. Upon the completion of the first month tenure, they were supposed to credit the profit to my M2U Savers account as that was the account I chose to credit the profit when I opened the GIA-i. But I closed my M2U Savers account about a week before the completion of the first month tenure of the three said accounts.

Are they going to pay the missing profit back to me ? Well, they have to.

Where can you find something with instant liquidity and so high interest?

Of course I will continue to use eGIA-i until another bank can outperform maybank.