Ha ha, good ones from gsc and Money/M Cha Cha !!!

You missed all the lovely ladies/gents in the PB room of OCBC ??

Well I thought you are also UOB PB customer ?

This post has been edited by bbgoat: Oct 23 2013, 10:16 AM

OCBC FD promo with saving Acc above 3.7%

I'm looking at straight forward FD for short term 3 months. UOB so far give me 3.4% without the CASA thingy for 3 months, 3.45% if with CASA thingy.
If want more complicated then OCBC combo promo is better I guess.

What's the EIR?

How much money need to be put inside SA?

4.2% for 3 months FD

50% of your FD Amount required in SA, top up RM1000 into your SA to get 2.95% for money inside your SA. Read Post 1

Impossible for young sexy girls like an old man lah, their objective is just want to hit their sales target ma.
I do not want to go there anymore, it is too exited for me, really cannot tahan especially I have a high blood pressure.
If I go there next time, I have to bring a stretcher along..

No lah.. my status is just a regular customer in UOB. You think I know how to print money meh..

I was shocked when I withdrew some money from RHB counter this afternoon, the teller did not check my IC
even my IC was on her table, I asked her why she did not check my IC to verify my identity? She said she already
double checked my signature on RHB system.. is this a right procedure?

I have placed my 1 year FD with Affin at 3.6% today. When asked for any gifts, the teller said gift only be given if
FD is more than RM 100K.

Bank Simpanan Nasional 1 Year FD Promo - No PIDM

3.95% p.a., minimum FD placement is RM 10K, but need to put additional 15% fund in a saving account.
This 15% fund in saving account will be "locked" and cannot withdraw for 1 year just like FD.
According to the teller, saving account interest rate is approximately 0.4% p.a.

Effective rate is 3.486%

BSN has 2 more FD Promos, but sorry I forgot to ask for the tenures..
(1) 3.75%, extra 10% in a saving account, min FD placement RM 10K
(2) 3.55%, extra 5% in a saving account, min FD placement RM 10K

When I asked about PIDM, BSN teller said no PIDM but government punya....
In overall they were quite friendly. But quite strange they do not have a flyer to promote their FD products..

This post has been edited by BoomChaCha: Oct 23 2013, 09:53 PM

hi all when bank always say fresh fund to FD
mean have to transfer the existing money to other bank and transfer back?

Stupid question (first time doing this!)

I want to use one of the promos to place FD , funds are currently in a different bank (just standard savings account) , do I just need to request bank to issue Banker's Cheque in my name for the FD amount and just bring to the other bank to open?

And will the banker's cheque fee be debited from the drawing account, or needs to be paid separately in cash?

Rich and "experienced" man like you, young girls would line up to be your 2nd. 3rd, 4th mistress hahahaha

If got good FD deals you will rush there.

Usually if I withdraw FD at RHB, they will insert my IC into the reader to verify my thumb print. But if I withdraw cash using my RHB cheque, they don't need to verify my thumb print.

Yah, if got no good FD promo, Affin is always there after one has deposited more than he is comfortable at BR and/or MBSB.

Yes, just ask them to write a cheque in your name and bring it to the other bank.

The bank cheque can be debited from any of you bank account but you might be imposed a fee between RM0 to RM5.15.

Ok - Thanks, just wanted to confirm

I always picture BoomChaCha as young, rich, handsome guy still waiting to buy his first property (or for someone to buy for him/her ??).

Oh, stretcher, I have reserved a gold one for you, just shout when you need it !!

Well, I thought you have been printing money and counting them till wee hours of the day ??

Have you tried BR's IBG ? I am still seeing same day transfer if done before 12 noon.

This post has been edited by bbgoat: Oct 24 2013, 09:28 AM

Yes. As long as the funds are currently not in the same bank as the FD.

Yes...or you use another bank personal cheque ..

Another way I found in UOB is you add the minimum fund for the FD promotion say fresh 10k to enjoy their FD promotion, without having to RENTAS or IBG the fund out and issue another banks's check. So the matured FD and minimum fund for FD promotion can do the trick. This was in fact suggested by the branch.

But recently this may have changed as I think someone was saying UOB allowed renewal of FD to promotional rate, fresh fund not required ?

No idea about the additional fresh fund to enjoy fresh fund FD promotion but if not mistaken, the renewal promotional rate is slightly less than the fresh fund promo. But it saves the hassle of moving funds in and out.

sometime the hassle move in fund from A to B
also involve miss out of daily interest

Bro, it depends on the officer. If he/she willing, can even split the matured FD and consider Fresh Fund. Eg. withdraw as cash 100K, split to 2 FD RM50K. I am not talking of just UOB, but for other banks too. It depends on our relationship with the person attending to you.

Once I in UOB, an auntie was told she cannot get FD Promo rate. I told her, withdraw as cash, come back after lunch and deposit again. And the officer said, that way can subjected another teller were to attend to the auntie later.

For old funds same amount, in order to retain you, UOB willing to offer you better rates compared to board rates but just slightly lower than current promo rate.

Thanks ! You have lots of experience in FD placement/withdrawal !!

This was what I did. I withdrew and went for lunch with my friend. Then back again to deposit and lucky enough it wasnt the same teller

If withdrew cash, small amount is OK. Will not have a peaceful lunch if amt is BIG.