How big is big and how small is small? It depends on one's comfort level. Talking about that, wearing Rolex watch or driving a BM or Benz also increases one's probability of contributing to the crime statistics.

If really BIG amount, your RM or the branch manager or FD officer (as mentioned previously by Boom ChaCha) or service manager will call HQ immediately and get you the Promo rate This statement applies to most commercial banks offering FD promos.

And, actually, if really kiasu (which is a good thing when it comes to money matters) you don't have to leave the bank, just wait for the teller to go for his/her lunch break, hahaha.

This post has been edited by Gen-X: Oct 24 2013, 10:01 PM

Haha, it is good idea to wait for teller go for lunch....UOB staff will be wondering why during lunch time there are a lot of people sitting there and wait...

Best time is go at 12pm, so most got to wait 1 hour only.

Another option, after withdraw and want deposit immediately take two or 3 Q number, if same teller, wait for next number, hahaha.

Or withdraw from Wealth Banking or PB and then proceed to general hall to deposit it or vice-versa.

Or for joint account, just withdraw and then ask the other person to go bank in. Better if got two joint accounts with the person where one you the first name and the other account the other person's name first. Then no need wait for lunch break

This post has been edited by Gen-X: Oct 24 2013, 10:21 PM

withdraw cash and bank in after that consider fresh fund meh?

For OCBC's 4.2% 3-months deal, the effective rate should be 3.55%, right? Someone mentioned 3.7% earlier, so which one is correct ah?

Ha ha, to me a kiasu & kiasi guy, big cash amount of >10k with me walking around is rather uncomfortable ........... Also don't want to be in the statistic as you mentioned !

Add 11.15am: Just realized that Gen-X BIG amount is much much bigger than my big amount ....................

Wow, beat the system loh .................

This post has been edited by bbgoat: Oct 25 2013, 11:18 AM

How do you get 3.55?

Yea, it depends very much on the teller. When I was at OCBC, my RM told me some of her customers withdraw cash andden walk to the next counter to deposit as fresh funds.

When I was at Ambank, I tried to do the same thing but was told by the teller that cannot do like that, so I had to give them another cheque.

Yea, also if it's a BIG amount, the branch manager will usually want to see you and ask you why take out money this that...

Need to get queue number?

Get 2 queue numbers I guess.
Or maybe someone else went with them.

RM10K in RM1 notes sure to attract attention but in RM100 notes, no one will notice. I have been at the banks where people just walk in and keep stacking tons of money on top of the teller's counter from their endless pockets, haha. Or some bring their wife who has a huge handbag.

hahaha, you being sarcastic or humble, how is it my BIG amount BIGGER than yours

haha, cannot share all my secrets on how to overcome the fresh fund thingy or else the banks will learn it from here and take remedial steps

But the fact is the bank staff keep giving counter remedial steps to overcome fresh fund requirements.

I never get any tips from the bank staffs no matter how big my smile is. They will usually give me the your-fund-is-too-little look.

It's stated at the first page.

I must be so used to the low rates lately that 3.76% now is considered really high for me, lol...so maybe I should go back to OCBC and place the 3 months FD for the time being.

Hi guys, i'm new here, hope to get some info from the experts around =) I'm planning to move out some fund from the ASB account and place it to the FD. So that i can loan more from the ASB loan. But wondering Hong Leong FD is it a good deal ? Seems everyone is talking bout OCBC promo ?

Bro.. how much money is consider big for the bank?

you're bumi, why need to put FD which offer lower rate of 4% p.a?

AS1M is waiting for people like you, average 6%+ p.a fixed price

But AS1M need to try luck like the ASM/ASW and etc. right ?

AS1M bumi quota still available, can put any amount you want anytime (1mil also can if you have the money) ONLY NON-BUMI need try luck

icic @@ which mean i can open account in Maybank as well ? and bank into AS1M ? AS1M is fixed pricing as well right ? Thanks for the advise =)