Bro, can't help you as got no idea on eFD but if there was a time limit, it should be around 4pm (that's when most banks close for over the counter business ).

FYI, here is what HLB consider as fresh funds.

New funds is defined as:

i) Cash, interbank GIRO, new funds received via telegraphic transfer from other banks, local
cheque or banker’s cheque issued by other banks less than 1 month ago.
ii) Redeemed equity unit trust funds and Hong Leong Invest Safe, and re‐deposited into FD

Not consider as new funds:
iii) Incremental monies which are newly deposited into Current/ Savings Account/i (“CASA”)
less than 1 month ago based on prior month’s month end CASA balance. For the avoidance of
doubt, funds transferred from an existing CASA/ FD accounts are not considered as new
funds.
iv) Maturing FDs are not considered as new funds.
v) Inter‐branch transfer within HLB, EON, Hong Leong Islamic Bank and EONCap Islamic Bank Berhad are not considered as new funds.

So, if got FD maturing, withdraw it as Cash and redeposit it back as new funds.

This post has been edited by Gen-X: Oct 7 2011, 09:28 AM

Then add RM10 or RM100 cash , settle . According to definition CASH is new fund.

Bro, we talking about eligibility for promo FD rates where we have existing FD in the same bank. But you are right, have to consider parking, fuel and time.

FYI, OCBC got promo again, 3.5% and 3.8% for 3 and 8 months respectively but with SCB 5%, the 3 months not so attractive.

Here's a thought, open 2 joint accounts. First account, you as the principal and second account your wife as the principal. Withdraw cash from 1st account and deposit into another 2nd account.

Bro, for SCB no no, open eSaver and the Islamic or Super Saver (but got to top up monthly min RM1K) under same principal and get the TV for example, that's what I was told.

This post has been edited by Gen-X: Oct 8 2011, 08:52 AM

Those of you who wants to open new savings account with SCB to enjoy 5% interest better do immediately as I was told SCB had reached the targeted deposit amount.

Better you check again, I was told for the Super Salary account, you have to top up RM1K in November and December to get the 5% interest rate. If your salary is deposited into the account, then not a problem I guess.

This post has been edited by Gen-X: Oct 11 2011, 06:52 AM

ronnie: I kind of missed the offer rates after 17 Oct, thanks for highlighting. As you can see from above, MNet has posted above my "hard work" where I have updated it.

But updated it further at my blog, it seems UOB also also offering 3.5% 3.6% and 3.8% for 6, 9 and 12 months with RM25K, fresh fund of course..

This post has been edited by Gen-X: Oct 11 2011, 01:26 PM

thank you ronnie and tinkerbel for the acknowledgement

gerrardling: Bro, ask me? I think the best person to ask is either cherroy or Dreamer where they will give unbiased, straight and common sense answer (like below).

hackwire: go read this thread on Child Education Planning..

I really like your statement got millions dieing in hunger also cannot withdraw

Just to add, some edu insurance policy that are linked to unit trust allows you to sell units anytime. If linked to equities, sell when market high and then put into FD. If got pay income tax, edu insurance good, get some relief (it's like getting cash back).

Yesterday still got the ad in The Star. If you kiasu like me, let's say your funds only coming next week, go open the account today and deposit RM10 into the account and you will get the 5% until end of the year, subjected that you have average daily balance of RM3K (if you don't understand the ADB, go read posts in last few pages where ronnie gave detail example on it).

This post has been edited by Gen-X: Oct 13 2011, 10:47 AM

Thank you Sir, I guess you have yet to check out all the articles. For table on cash back with UOB One Card, there are two tables actually. Click here and also click link to UOB One Card to see another table.

To all: if you have yet to check out CC Section, you'll be amazed. We have many forummers updating the latest on CC. click here to CC Section.

Back to FD,

Latest RHB promo up to 3.75% but you got to deposit RM5K into savings or current account where it be held for 90 days. Click here to RHB site for details.

This post has been edited by Gen-X: Oct 13 2011, 05:01 PM

UOB seldom advertise it. I hereby reconfirm that the 6 and 9 months need minimum RM25K and for the 12 months need minimum deposit of RM10K.

This post has been edited by Gen-X: Oct 14 2011, 12:59 PM