Yes, exactly! When I was there, there was another guy negotiating for a free gift but they said none at all & he even asked if BR can owe him the gift but cannot.
But when I placed my FD, suddenly out came an umbrella without asking though no nego rate.

I believe should be the 6 figure deposit & total deposit since they already checked when I requested for nego rate.
The branch I bank at minimum for nego rate is RM 100k & this time when I asked, they said no nego rate allowed yet for June. Very suspicious as previously no problems getting it.

yes, the usj branch said they can't give a higher rate than what was stated on the board. 

Guys if ur business acc is the same as the bank u planning to put ur FD, definitely can try to nego.
Oh ya, this is for monthly FD.

But of cos it still depend on the branch manager and your skill. What I do is

First I ask them the rate from their normal staff, then I told them this and that bank higher wor, can't you up abit?

After thinking and looking at their monitor, they said nd to ask their boss. So after waiting for few minute, their boss come out and ask to enter his office.

At first he will ask how much u can put, so I said half of the amount I want to put. He offer 3.2.
So I ask again if I add another 200k can up till 3.4 or not. Well I was just joking and testing luck. Unexpectedly he said can offer till 3.3.

This make me wonder, maybe due to my business and personal acc was in the bank so they can offer this rate.

Largely contribute is the branch manager. Talk nice and respect with them. Sort of like chatting with friends.
Remember is they have the final say on yes or no.

RHB
it is monthly placement. same as 12 months FD but its only last for 1 month. the next month also same rate. i felt like if put in saving, the rate is tooooo little. so i choose this.
the reason i choose this because i believe 12 months FD gonna spike within this few months.
and i dont wanna put in current promotion.
this way, i can withdraw and put in other much higher 12 month FD after the BNM decision.

https://www.irakyat.com.my

tutup kedai?

HLB MACH that offer monthly interest payment will deduct off the penalty amount from your principal if you make premature withdrawal. I guess BR would be the same

HSBC Time Deposit Promotion [Full T&Cs]
16 June 2014 to 31 July 2014

3.70% interest per annum for 12 months tenure Time Deposit

4.00% interest per annum for 3 years tenure Time Deposit

Time Deposit (Eligible for protection by PIDM), fresh funds obtained from sources other than any existing account(s).

Min placement: RM10k. Max placement: RM3mil. Max. allocation: RM500mil, first come first serve.

Upon maturity, the Time Deposit will automatically be renewed for the same tenure at the prevailing board rate unless the Eligible Customer instructs otherwise.

This Promotion is open to all existing customers who maintain a current/savings account with HSBC Bank and new customers who must open a current/savings account with HSBC Bank (“Eligible Customers”). Eligible Customers shall not include corporate customers.

1. how much did UOB charged you for the bank draft?

2. did BR give a free gift?

Do you have any PB account or other special account with UOB? The manager of the UOB branch at my place was very adamant that the banker's cheque fee is RM2.15. Even after my request to contact HQ, she said that the RM0.15 charge is only for certain branch promo.

similar to HSBC 12 mths 3.7% min 10k.

seems like we will see the better days of fd rate soon but those that serve loan will pay more.

let the musical chair begin

clever of them to call you to tie you up for the next 13 mths!  when the market is heading for a rate increase!

Notice the trend of FD promos these days are like 13 months or long tenure ones

by the looks of the latest promo by most banks, I can feel that OPR would increase tis time around 

(1) RHB 15 Months Step-up FD Promo. Effective rate 4.00% -- Valid until 31 August 2014

[attachmentid=4020344]

Source:
http://www.rhb.com.my/Whats_New/deposits/s...D/#.U6KpuijDVAc


(2) RHB Ramadan FD Promo -- Valid until 31 August 2014
(i) 3.78% for 3 moths, put 5% into CASA*
(ii) 3.88% for 6 months, put 10% into CASA*
(iii) 4.28% for 9 moths, put 20% into CASA*
(iv) 5.00% for 12 months, put 50% into CASA*

*All have to put in CASA for 90 days.
Except Max Cash & Junior Saving account.

Minimum RM 30K
Maximum RM 3 Mil

(3) RHB Pure CMD-i FD Promo -- Valid until 31 August 2014
3.7% for 12 months

Ha..ha.. This is very possible.
Banks perhaps try to catch the big water fishes that are not aware of the recent market news.

I think this is the gamble we have to take to place FD in shorter term like 1 to 3 months.

Let's see in July.. 

which newspaper?   I wan SOS please 

wow.. which newspaper??
this will certainly raise to 4% level 

Hmm.. 15 months imo too long.. max I can take is 12..
Well the effective rate is 4% which is a good sign, meaning most likely the olr is a go.
This might even set a base for all bank to give an effective rate of 4%

I think the boss at BNM is a smart and cautious lady. Even if the current economic situation warrants a 0.5% increase, my gut feel is, she will do it in 2 steps, first 0.25% and another 0.25% later.

Sometimes they use the newspaper to "prepare" us for bad news. So they say 0.5% now and later only 0.25%, we will feel relieved, ie., not that bad lah! Ha.

Wait and see.

Cheerio.

12 months one seem very good?

split to 4 quarters

((5/1.5) + 5 + 5 + 5)/4 = 4.583%

so for now, don't put new fd 1st?

I have a few 12 months FD maturing in July. According to the bank, after they are automatically renewed, I can withdraw them after 3 months without any penalty.

With the OPR going up, I wonder if I should convert them to 1-month FD or let them renew another 12 months?

Thanks in advance for your advise

(2) RHB Ramadan FD Promo -- Valid until 31 August 2014
(i) 3.78% for 3 moths, put 5% into CASA*
(ii) 3.88% for 6 months, put 10% into CASA*
(iii) 4.28% for 9 moths, put 20% into CASA*
(iv) 5.00% for 12 months, put 50% into CASA*

*All have to put in CASA for 90 days.

we need clarification

this 1 also step up? i thought step up mia is 15 months?

BCC we need links for T&C