How's the FD group nego coming along?

Anyway, I paid a visit to a supposed new BR branch. But instead was only an agent for BR, Koperasi Simpanan dan Kredit Bersatu.
They have their own deposit scheme (FD) & the interest rates do look Extremely attractive but they have so far only been in the market for 2 years. However, to fund the deposit scheme, they provide personal loans to government servants & practise the direct salary deduction via ANGKASA so should be pretty safe.

However, do take note that there is no monthly interest payout like BR.
Anyone had any experience or heard anything about them before?:

www.mamasavings.my
http://www.mamasavings.my/lz_images/pdf/Pr...paFinancing.pdf

Thanks, I am abit sceptical about the deposit too since it started in 2012 & the Corporation only has 1 outlet so far.

I am also not too sure what assurance it has by being registered with KPN Koperasi Pembangunan Negara

Welcome back BCC!
Great, is 1 of the strategy to portray a higher amount as advised by Top Goat previously also


AM Bank service has gotten really bad recently.
However, if you have PB, it was not too bad. Here are some of the benefits I experienced:
- free buffet at Concorde Hotel for participating in their customer experience feedback
- free meal from the RM, buffet at their PB centre
- I can sign & pre-approve transactions. If I am busy, I can just call her to authorize any transaction like withdrawal for UT
- I have gotten umbrella & food warmer for their FD promo
- PB gifts was Ceruti pen, diaries, notepad, leather baggage tag & wallet

Unfortunately, no special rate for FD even for PB.


Ya, guess will have to give it a miss though the rate is so high, 9%!
There are some fees, even on a monthly basis though but the final rate is still very attractive for ~100k


The main office is in Mid Valley, but they just opened an outlet near TTDI which was where I went.
But still don't feel comfortable putting money with them since no branches.

Not Public Bank, Ambank priority banking.
Yes, mostly during the launching of their priority banking except for notebook, leather wallet & luggage tag which I got recently.

I got the personalized service until the RM left 2 months ago, which until now I do not know who is her replacement.

The amount for priority banking was RM200k but now not sure as it is no longer stated on the web site.
Oh yes, free for life visa infinite given too.

Unfortunately, she did not tell me which bank she was going to.
Only knew that she was bought over somemore so everything happened so fast

But Ambank is convenient for me & for std over the counter transactions, usually no long queue.

Definitely need to becareful with using the card..
But there are some good 50% promotions & free access to airport lounges for some cards.

Do be reminded is the outlet at menara glomac damansara kim, which is off jalan damansara


Well, will keep that in mind as almost everyone who frequences the airport lounges have those cards.
Anyway, like Gen-X has been reviewing, use a credit card for its specific purposes.

Endless possibilities
Whatever it is, would be best to limit the number of credit cards.

Better to have more FDs..

You may need to wait till tomorrow to see it. Some systems not so advanced
It happened to me for AM Bank.

Is not queue up, is more like participating in a lucky draw & hoping someone sells their units when you check at the counter.

Depending on the fees involved actually.
I usually try to use cheque if there is else IBG over the counter, IBG online usually max RM10k per day only.

I did not need an introducer when I opened my first FD at Affin Bank previously without having any other account there.

Ya, me too, mine's harvesting next week.

Did BR tell you what is the criteria of the high tea invite?

I think KL / PJ customers can never get it as there must be many who place millions in BR.