HAve you?, i have not, or are they not sending out this CNY?

HAve you?, i have not, or are they not sending out this CNY?

FD for BR, effective FD date from the day you give them the cheque. You need SA if you want the interst monthly credit into SA, otherwise no SA also can, just get your interest at the branch when it's due. If you have 2 names for the FD, SA must also have the same 2 names.

So if I don't wanna open a SA, I can just let the interest add on principal on maturity, right?

yes

yes if you have significant amount, you get better rate with 5 years. 4.7% at MBSB.

sometimes promotion also can get good rate like 4.5% - 5%. MUst be quick to grab and dump all in. I still enjoy the 5% HLB Junior FD, monthly interest.

FD 1 year and above at rate below 4% is considered poor rate.

And yes, i agree with magica alot of people are 'so attached' to 'big' banks, like MBB, Std Chart etc- give  poor FD rate also they dont mind.NOt for me, i used BR, MBSB so many years already still they didn't collapse yet...

And yes , a rate difference of even 0.5% can be significant if you have quite abit.
Even for RM100k, 0.5% means  extra RM500 a year. If 1M it means extra RM416 per month!

Now imagine if you get only3% at the 'big bank' and BR or MBSB paying 4.5%, how much loss already every year?..

BR is good at customer care, every year will send hampers to your house. Regularly  got invite for makan at hotel. And when they invite they ask you to bring friends, even if they are not BR customers.

Go to hotel makan, got lucky draw somemore, and is like planned you will get a hamper . Put new FD ,they will give free gift, parker pen, Manicure sets, T shirt, umbrella, Bath towel. I think BR is rich, making lots of money every year, surely can afford to pampers its Customers, cant imagine how the BR can go collapse........, i assured myself.

hi sifus, lets say if i wanna get bankers cheque from maybank, wanna transfer to hong leong, do i need to tell them which bank i wanna pass it to? and must i go back to the branch which i opened the bank acc from?

Hi BR fans,

Just wanted to check with you a few things:

3. Same teller also told me ONLY placement of 500k & above the rate is negotiable this year. Last year 100K was still possible. Anyone this year can still get more than 4.01% 12 months for 100k without referral?

Hi BR fans,


3. Same teller also told me ONLY placement of 500k & above the rate is negotiable this year. Last year 100K was still possible. Anyone this year can still get more than 4.01% 12 months for 100k without referral?

4. Or is it the cumulative amount that counts?

possible to break to 2 certs if 300k to 150k each...and still get 4.11% from BR? 

Sifus~ I need your advice~ currently OCBC is having this promotion,

"OCBC 3-Month Fixed Deposit “CASA” Bonus Savers Promotion – 4.50% p.a? (ends 31st March 2013)"

Worth to take? because I don't have OCBC account, means have to take a bunch of $$ from another bank in order to place them in OCBC, I have no experience with bank cheques and sked sked to take this whole lot of $$ w me...  7.5K means a lot for a kecik person like me... but the promotion very tempting neh.... Advise Pls~ Kamsiah byk byk~

http://savemoney.my/ocbc-3-month-fixed-dep...up-to-3-96-p-a/

See my earlier post for some info. For 50k and above can negotiate to get 4.06%. For 500k and above, up to 4.11%.
But it all depends on negotiation with the person in charge in BR.

Cumulative amount helps as you built up bigger total amount in BR. I got up to 4.2% last week, thanks to Magika for sharing his experience and challenging us to get higher and higher rate from BR !!

Ok, noticed you are in Penang.
Seems is better over there since they also have more gifts! 

Will try calling next time since already deposited twice but still getting 4.01%.

Or perhaps will try other branches instead. Anyone in Petaling Jaya area who tried BR?