3 things to share.

a. Withdrew my HL FDs for new FDs at BR today. Asked for a banker's cheque and was told a charge of RM5.15 even for premier customer.  Later, they refunded the RM5 as the manager said no charge for premier member even wihout me making a noise on the charge. Thanks to the manager.

b. Opened FDs at BR asking for a higher FD rate, on top of the 0.05% I was offered on the phone yesterday. Much to my surprise, they gave me 4.11% for a year (amount is RMx00k). Will go and buy some durians tomorrow. They got some computer issue with my FD and I still have not got the FD receipts. Hope to get them by Monday. Still can see many chinese opening FD at BR.

c. Disappointing with UOB. Went there about 2 months ago and the lady said she would come back to me on a higher FD rate by late Oct as I intended to open one in mid Nov. No reply from her. SMS to remind her. No response. Called her and she said she would check with the HQ. No reply. Called her this morning. She was not in and her colleague helped me. She checked with HQ and they said they can only offer higher FD rate for amount > RM 1 million. If she told me earlier, I would not be chasing her for an answer. Not impressed with UOB and the lady.

Cheerio.

Thanks plumberly for the heads up at BR. Deposited at BR on 14 November, went back today to request 4.11% and was given. 
BR current free gift is Parker Pen, Manicure set, Shoe Bag.

My smartsavers fund can be withdrawn on 1 December, so reckon it will be going to BR too..

Glad that you got the additional 0.05%! A few hundreds dollar worth.

Very surprised that BR allowed some changes to completed FDs especially for a govt/stick to the rules company. Nonetheless, glad that you got it. It pays to ask. Ha.

Cheerio.

Walk in BR today, ask for FD, said no more additional 0.05%, then ok, want to open FD, the officer ask me for the IC copy, i said don't have, then ask me to copy the IC outside the bank, what the fxxx bank? So I just walk out and go to MBSB.

Hey guys, I am back. I have 2 questions.
1) How to check GIA-i interest for Premier Mudharabah Account-i?
Please share the link, thanks.
2) Is HSBC 5% interest for new branch promotion still valid?

Thanks.

I just came across HL leaflet that got 12 months FD with step up FD 4.28% (for 4Q),
1Q 3.08%
2Q 3.18%
3Q 3.28%
3Q 4.28%.

http://maybankislamic.com.my/ click at rates , look at GIA-i

Rate Effective For New/Renewed Accounts For The Period From 16 October 2012 To 15 November 2012
No update yet for this month. Thanks.

Hello bro, I wanted to know which branch you went to? This thing does not happen at the jalan tangsi branch. I went again to this branch and deposited some money. 3 month tenure and ask for 3.75%, the manager who I deal with several time, said ok without hesitation. BR problem is, you had to go there again few day later to collect the Fd cert.

Thanks plumberly for the heads up at BR. Deposited at BR on 14 November, went back today to request 4.11% and was given. 
BR current free gift is Parker Pen, Manicure set, Shoe Bag.

My smartsavers fund can be withdrawn on 1 December, so reckon it will be going to BR too..

So far, only know that >50k, can ask for add'l 0.05%. For the 4.11% (4.01 +0.1%),  do the FD amount need to be more than 200k ?

Luckly just switch to MBSB, collected the fd cert directly. 

kedah branch 

Actually the ocbc combo saving is not that complicated. Just treat it as FD + smart saver as a total FD package.

80% in FD and 20% in smart saver and treat smart saver as "FD" as well. If you top up rm 1000 in smart saver, you will get 3% interest for smart saver. You can also choose to top up RM50, the interest rate will be 2.85%.

If you open FD for three months you will not prematurely withdraw before 3 months unless it is needed. Just treat your money inside smart saver as an "FD" and top up either rm50 or rm1000 monthly for three months.

With bank rakyat offering more than 4% rate, for those people dont mind money to be tied up for 12 months will probably open FD account there. I still prefer saving combo as I need to use the money later on.

Hey guys, I am back. I have 2 questions.
1) How to check GIA-i interest for Premier Mudharabah Account-i?
Please share the link, thanks.
2) Is HSBC 5% interest for new branch promotion still valid?

Thanks.

I think nope. You must nego with the bank rakyat manager. Refer to my post #1199, i get the extra 0.1% with amount deposit <200k. But i yet to get the new FD cert from BR. Will update here when the new cert taken there. cheers.

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Added on November 19, 2012, 10:58 pm

I had go to the MBSB web site to check their FD rate, it was 0.61% pa less compare to BR (for a year tenure). Another one is the promotion 4.05% pa whereby there is a 62:31 ratio thingy. This thing is very confusing and i found it complicated. Similar thing also happened in the Maybank islamic 4.75% PMA-i acc. I do not like these type.
However, my place does not have this MBSB. Nearest is Leboh ampang and cheras which is still far for me.

Kedah BR no good, ok. Put in my mamory. Thanks.

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Added on November 19, 2012, 11:22 pm

These OCBC 80:20 thingy make me go to OCBC many times.

As per the HSBC official link here it is only left with Sri Gombak branch until end of the year.

For the other HSBC promo here, it is until 18 Jan 2013. But this one has much lower effective rate.

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Added on November 20, 2012, 12:36 am

Just wonder after we negotiated with the extra 0.1%, can we still split the big sum into multiple FD certs (for just in case premature uplift).
Anyone has any experience on this? 

I think nope. You must nego with the bank rakyat manager. Refer to my post #1199, i get the extra 0.1% with amount deposit <200k. But i yet to get the new FD cert from BR. Will update here when the new cert taken there. cheers.

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Added on November 19, 2012, 10:58 pm

I had go to the MBSB web site to check their FD rate, it was 0.61% pa less compare to BR (for a year tenure). Another one is the promotion 4.05% pa whereby there is a 62:31 ratio thingy. This thing is very confusing and i found it complicated. Similar thing also happened in the Maybank islamic 4.75% PMA-i acc. I do not like these type.
However, my place does not have this MBSB. Nearest is Leboh ampang and cheras which is still far for me.

Kedah BR no good, ok. Put in my mamory. Thanks.

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Added on November 19, 2012, 11:22 pm

These OCBC 80:20 thingy make me go to OCBC many times.