Public Bank is honest to tell you the Effective 12-month FD Rate for this is 4.16%
Looks OK lah.... not too bad with PIDM guarantee.

You get monthly FD interest creditted into the PLUS Savings Account.

so meaning, no good?

IBG max limit s RM500k per day...not RM10k per day..

I suddenly recalled this issue.

You can sign-up 3 new Premier joint-accounts at a time.

Assume 3 persons: You, father, mother

First Premier Account: You as the primary name, father as the secondary name

Second Premier Account: Father as the primary name, you as the secondary name

Third Premier Account: Mother as the primary name, you or father as the secondary name

Hmm.. bought some FD on Maybank2u online few days ago.
Status said: Accepted.
But no changes to my account or my balance.

Strange

No No no no no...  One exception case did happen, OCBC RM tried to cheat my gold art. 
I mentioned this con case last time, I believe you knew about it. 

Better to check around and make sure what gift promotion does the bank have before we go. Trust no RM..

If you use banker's cheque, you can get the FD cert. on the same day from BR.

It will not combine if you reply a single quote one at a time.  You need to tap/click on the quote buttons of all posts you intended to reply then click/tap the "more options" button.

I would prefer to read all quotes in one post rather than several posts. More orderly and neat. Replying quotes in several individual posts will stretch out this thread and it will cause "new to thread" readers longer time to look for essential information.

Sometimes uncombined post is inevitable due to timing but i hope all regulars here try your best to combine quotes using the above method.

After my earlier reply, I suspect that it may depends on their branches. BR seems to operate differently based on branches on gifts given, even FD rates. Anyway I have not been back there to place FD since Feb this year.

Yes, I signed on a receiving letter, that was about 2 weeks after I finally received the gold art.

Oh.. the Parkson RM 100 voucher that I mentioned previous was supposed to be Secret Recipe?

Hah... both..?

Oh...   I discovered this thread late lah... 

Wow, my maturity date is more than 60 months away
Weeks have passed...my referrer has visited his BR branch twice to update his SA but couldn't trace the incentive. Is there any other option to check it instead of going over to the counter to update the passbook?

that i know. what i meant is that if i withdraw prematurely let's say on the third year for a 5 year period lock down.
bank rakyat will not pay the difference between the 3rd and 5th year, instead the current board rate of the bank will be paid instead.
*the 1st,2nd,3rd,4th & 5th year FD rate is different from the board rate

can let me know what's the premature withdrawal rate for a FD for 12-month but withdraw on the 5th or 6th month?

i feel BR staff don't know a lot of things and whenever i asked a question, they need to refer to their manager. makes me loose confident in them and considering to move to more professional bank such as OCBC...

The exec told me it'll be 3.65% for 5th month & 3.75% for 6th month withdrawal

If the rates are around 2%, I don't think I'll withdraw my FD prematurely. Not worth it.

went to OCBC the other day to enquire about the 4.5% FD promo. RM told me that in order to enjoy the promo rate, one have to put in min 10k in FD, and 5k in savings. hence after i average it out, it only came up to 3%. means u deposit 15k in total, but the interest will be paid only to the 10k. the other 5k interest will be 0.25% based on the savings account. which i assume is non-existent. sigh

Agreed. I kena "conned" by the same exec regarding the introducer commission. Before I place my FD, do this, do that, my referrer can get commission. But once the FD was placed, suddenly not entitled for the commission. Damn stupiak & useless exec  

well, service wise is subjective. i am talking about knowledge wise, once u go BR you'll know..

I have the same experience.

Every time when I do my banking transactions in OCBC regular counters, all tellers will
ask me why I don't walk in the premier room, this will put me in an embarrassing moment,
and I really do not like to have this kind of feeling at all..

My concern is that since helping premier customers is part of RMs' jobs, if RM are not willing
to help, this means OCBC and RM are not doing their jobs and they are not professional.

Unless if OCBC stated clearly RMs only help premier customers in investment plans, other banking
transactions will not be entertained.

In fact, out side counters are more helpful in providing update FD info rather than RM.

In overall, I do not see any practical benefits of being a premier customer.

yep, it's about the branch, officer, rm u deal with...

for the branches i deal with, i have few issues with cimb, hlb and uob. pbb is fine but the rates suck.

my experience, i stay far far away from mbb and ambank.

others, never tried...