Hm, the first thing I ask her was whether the 3.7% promo for 1 year still got or not cause I did read here that you guys also said no more already.
She straight away replied still on. I'll be going this Friday again and see how it goes. If not, then will just put into OCBC.

can you elaborate on how you can get this 3.65% offer? nego with the manager? 

but BR 12 months already 4.02 rite?Is there rumour that the interest will go down?rate are not attractive as early of the year.

Ocbc 3.7% for 13 months, joint account

Not all banks personnel are bad. I have nothing good to say about banks like Hong Leong, Maybank, OCBC, BR, HSBC, CIMB and the likes also. Its all upto individual performance. 

Bank Negara said cost for cheque will be increased. Don't IGB can treat as 'fresh' fund or not

If the money is from same bank (even from different account), mostly do not treat it as "fresh fund".

Same bank diff account - not consider fresh funds. Have to be from outside of the bank.

You have to transfer the funds out then put it back into the bank again. Which is why you see some of us here discussing what's the best way (cheapest and fastest) way to take matured FD funds out and get it back in for FD promo as quickly as possible.

I think some other banks are exceptional and they might accept but generally, the banks that I dealt with so far, do not accept transfer of funds from same bank as "fresh funds".

This 3.48% for 3 months FD from UOB is no longer available.

I saw some of your comments way back and just did not wish to reply. However I am interested in other forumers experience with FD traditional banks or whats not.

this some how remind me of the what kooperasi last few decades...... But this is some how according to personal perception.

To each its own poison I would say. However while its good to share the merits each case has, its not very nice to often post as if its a high risk option. PIDM has been here for not so many years, so without it as before then will be keeping all the cash under the pillow. It has been overhype and the risk is very minimal. Another overhype myth is regarding the Kwsp fund imminent collapse. This has caused quite a number of contributors withdrawing and then what depositing in banks at a much reduced rates. Some forumers here even dare to increase their contribution. So who is right. Dont think too much of what we cannot control, such as the state of the economy, the stock market and the likes. Even in chaos, there will be opportunities.

Just to get rid of the myth regarding koperasi debacle, my better half including her family was refunded. Hope others old enough can share their experience. 

Did anybody doing calculation which 1 month FD with their 1 year compounded interest + auto renewal higher than 12 months FD?

I have a HLB saving acc & HL Connect acc. So how do I place FD into HL Mach? I dont see the selection in HL Connect. How should I activate it?

A fresh graduate with a bachelors' degree will probably earn RM 3000 a month.
After paying income tax, they get around RM 2250.00 each month.

lol. claiming themselves from which department. O and G??

haha