Would like to ask whether Hong Leong Sweet Deal FD 3.75% able to open up via Hong Leong online banking? I don't have Hong Leong account at the moment, so is it worth it to open up a saving, and then to create the FD via online banking? Or does the Sweet Deal only works for paper application, that means must do at bank and get certs.

So, the conventional FD, Sweet Deal 3.75 promo, only available via certs, be it you have a savings/current account with them or not.

Meaning, existing HLB savings/current account users with e-banking, can't make placement for this special promo FD? They must also go to over-counter?
Okay thanks, this I've known but no near branch at my area yet.

15c stamp duty is what they charged me in PJ for a check amount that includes principal and interest. I am not sure if they will charge you RM2.15 if you take your principal in check and interest in cash. Can anyone confirm this?

My current Bonus Savers is ending in May 2013... can I put back the funds into another round of Bonus Savers for June 2013 ?

Precisely.

But as discussed earlier,it is inconvenience for multiple placements (different dates) of Bonus Savers if you have
only one Smart Savers account, because all funds will "stuck" into one Smart Savers for 2.9% interest (require
to deposit minimum RM 1000 into Smart Savers during the second and third month to eligible for 2.95%) until
over the end of 3rd month.

2 options:

Hassle to manage FDs on different FD placement dates:
If you withdraw your FD separately from Smart Savers on different date, this mean you will split your funds into 2 portions on
different date; then you will need more time, energy, effort, and money (petrol) to take care of 2 portions of funds (FDs).

or

Get a bit low interest rate at 2.9% for less than 1 month period
If you move your 2 funds from matured FDs into Smart Savers and withdraw all funds in 1st July, this means you 2 FDs will
get 2.9% interest for 22 days and 12 days respectively. And all your money will park in OCBC for almost 4 months.

In overall for these almost 4 months period, you will get lower than 3.96% interest

Now just realize that OCBC is too smart to offer Bonus Savers.... 

Want to ask regarding fixed deposit dividend calculation ... Let say 3% interest in 1 month.. I put rm1000 for a month, is true after a month I get rm30 ,, how the dividend calculated??? .. Thank you

Anyone else with recent experience for UOB on the fee? 

Just to confirm, if my FD matures on 28th June, I can uplift it on 28th June itself without any penalty, correct?

can anyone tell me what does "joint depositors" mean?

Just back from my FD trip!

UOB insisted to have fresh fund for the promo. The most, they can only accept 50% of the fund. So I inquired on the banker's cheque fee. The staff said it is RM2.15. So I told her about the RM0.15 and its condition. Even the manager is not aware it. RM2.15 has always been their practice. Nevertheless, she said she will give me RM0.15 for this time, haha, but being a pain, I said I will be insisting for the RM0.15 in future too so she better check with the HQ next time. I paid RM0.15 only for 4 cheques 

Then went to OCBC for 3.70% 12 months. Dealing with the officer was pleasant but got slightly mad with the staff that is issuing the cert. He kept entertaining other customers who came later and put my documents aside. After 20 mins of waiting and observing, I said I would like to speak to the manager, then only settle 

thanks anyway. i did thoroughly read thru the thread before.
does anyone know what will be the interest rate after the 3 months if i don't withdraw the money.