just proves these greedy commercial banks just out to cheat you of your money....

thats why I use Bank Rakyat. Friendly, good deposit rates and without all these ridiculous charges.

The bank is getting from bad to worse. Last 2 mths they did not credit interest to my wise account which bearing 3% monthly interest. I called up and they said system recorded wrong account type.they took more than a week to credit the interest back to my acc. If i did not check, what happen then? Thinking to move all my fund to other bank then, thought it did not bother them at all.

Nope. I was merely scouting & asking around...hehehe. But that offer sure sounds too good to be true. That's the reason I hold back my placement & decided to pose the question here

Did you ever receive a tupperware as a gift from BR?


So, the gifts varies from branch to branch

HSBC premier customer promotion ends Feb 2013. First two months board rate and third month is 7.88%. Effective rate is 4.42% if not mistaken. Good option for those who have enjoyed fully 5% promotion rate from Ocbc premier account (husband and wife)


http://www.hsbc.com.my/1/2/personal-bankin...posit-promotion

This post has been edited by gsc: Dec 24 2012, 12:53 PM

I just checked with Public Bank, RM 50 service charge is for business account only...

---

Added on December 24, 2012, 6:07 pmThank you so much for the reminder. You are one of the bests




This post has been edited by BoomChaCha: Dec 24 2012, 06:07 PM

I went to Bank Rakyat to collect my FD's interest, Bank Rakyat gave me 3 items:

(1) Diary 2013
(2) Parker pen
(3) Keep cool container

This post has been edited by BoomChaCha: Dec 24 2012, 09:03 PM

U must have huge sum of FD

No lah.. I just made my FD placement for 5 years tenure..
These items do not worth much money

This post has been edited by BoomChaCha: Dec 24 2012, 06:47 PM

Those items given with or without haggling with the officer of BR?

Of course yes.. need to use some efforts to get those gifts..

Bloody blood sucker. I notice that this bank and also Hong Leong charges unreasonably for their administrative fee.

Wow! I'm hoping they can give me a Parker pen.
May I know your FD placement is above RM50k or below?

Not onli local bank made a mistake like this. My worst experience was with Citibank, OCBC, then back to local MBB.

Citibank forgotten to pay me FD interest for their time deposit acc and when I found out, they took bout less thaqn a wk to pay me back and I did calculate the losses I went thru in interest wise, and they agreed to compensate me as per my calculation. Its quite complicated but they agreed with me.

OCBC wise, they missed out my cheque deposit which was bout 100k if I'm not mistaken. It was yrs ago. Then when I made a loss claim, they compensate me according to my calculation too. But tis OCBC took quite long to rectify their fault.

Finally, MBB. Charge me interest for my money in acc instead of paying me. Same conclusion. They compensated me and v moved on.

Banks r id1ots. Dun hav to b too nice to them.

Wow, you get those 3 gifts just from collecting your interest? What did you receive when you make your FD placement?

BTW, why did you take down your pic? Now I have no motivation to bargain kaw-kaw with the BR officer

That is terrible experience. I never check the calculation as I assumed the system is computerised and should be in order. Based on your experience, I better counter check from nw on

Since I am shopping around for my FD which will be due this month,I share the following summary on FD rate which I have compared. I have excluded BR as I dont have intention to place FD there.

3 months
OCBC premier -5% (plse refer to OCBC website or 1st page for detail t & c)
HSBC premier - 4.42% (plse refer to HSBC website for detail)
OCBC saving combo -4% (effective 3.8% -20%FD has to be kept at smart saver at 2.9%)
UOB - 3.5%

6 months
MBSB - 3.8%

9 month
MBSB - 3.9%
UOB - 3.65%

12 months
MBSB - 4.05%

Looks like the rate is getting lower, I locked in UOB for 9 months and also selected OCBC saving combo for 3 months. I ignore MBSB for this year and may look at it again in Jan.

Btw, just found out UOB premier requirement is RM500k. Wonder what are the advantages it has over other banks

This post has been edited by gsc: Dec 26 2012, 02:21 AM

Just want to ask all the sifu here, it is safe to put money into MBSB?

MBSB and BR, both not under PIDM, which one is safer??

---

Added on December 26, 2012, 2:16 pmi went to BR this afternoon, asked the rate for placing RM 70k for 6 months. The rate is 3.75%. Free gifts are shoe bag and car boot organiser.

This post has been edited by jacklew77: Dec 26 2012, 02:16 PM

http://www.osk188.com/adminv2/UserFiles/OS...0110713_OSK.pdf

Bro, did you write anything on this HSBC product in your blogspot, can't seems to find it.