Went to BR branch at DU just now, tried to nego the rate with the staff, ended up he told me that I need to have at least 500k before I can nego the rate.

I told him that someone can get better rate for just 100k and asked why your branch can't do the same? He said different branches have different policies about the rate, and 500k is the min requirement before I can talk abut the rate with him at his branch.

Does anyone here have this kinda problem? For me he looks like doesn't want to make the deal with at all, or maybe this's the policy for this branch.

Ok I'll take some time and have a look at it, may be I'm missing something.

Well this's the 1st time that I heard about 500k min requirement, as I said someone on previous post did get the offer at 4.11% for just 100k, not 500k. And the staff didn't even bother to go to manager room and ask for that, he seems like not interested to deal with me, so I just gtfo loh.

Ok will do, thz.

Got it from my email, looks good.

What's the HL Mach FD btw? Online FD? Apparently the promotion rate for Mach FD is better than HLIB FD, I dunno why ppl go for HLIB FD instead of Mach FD.

I thought any HLB branch can apply this Mach FD, and the fact is there're only 5 branches that capable to do Mach FD after doing some researches on their website.

So if I want to apply Mach FD, can I go any HLB branch and open a saving account, then apply the Mach FD online, instead of going to the Mach branch?

What so special about the Mach account? Original HL saving account can't do online transaction, but only Mach can?

I still don't see what so special about the Mach, if I'm not wrong normal banking can do pretty much anything that Mach does(doesn't count the FD part), not to mention very limited branches can apply it.

I'm gonna to call and ask them about what so special about Mach later this afternoon, maybe they'll gimme me the answer that can satisfy my curiosity.