I was just informed by my HLB branch that Money box account holder can perform OTC banker's chq withdrawal and OTC GIRO. 
Please reconfirm this info with your branch again.

curious, most FD's T&Cs has a clause stating "..subject to OPR..."

does that mean if OPR increase, the FD's interest will be adjusted too? how does that clause works vs actual OPR change?

example is Maybank's FD Samba 6 Promo: http://www.maybank2u.com.my/WebBank/fdSamba120614_tnc.pdf

i was wondering how does the bank protect itself and also protecting our investment, if everything is based on OPR itself.

if sharp drop of OPR, means our interest rate will follow? how about increase? will the bank willing to increase the intesret rate as well (or just coy about it, business as usual)

no idea

just curious after the OPR revision discussion for the past few days. got me thinking about the impact to existing FD.

mana boleh mcm ini. It's no fair   

No lah.. 

For FDs that have been placed, the committed FD interest rates printed on FD cert cannot be changed regardless the OPR increase or decrease.

So for long term FD, it is a gamble..

The subject to OPR condition only applies to the published promo, printed advertisement. Not the contracted FD deposit.

Meaning the published FD rates in the promotion documents is subject to change BEFORE the very last moment you make the FD placement.

Ai      where do I get so much money to count..? You think I know how to print money meh..? 

Oh you have no idea how many CASA I have had with OCBC over the past 2-3 years lol. No more stupid CASA promo for me anymore.

Anyone know how to deal with banker check in foreign currency ? Can i deposit it directly with the  check deposit machine ? Kindly advise. TQ

can I know if terminate on the morning maturity date can immediately get shown the principal ?

I've just been waiting out on the OPR increase just like everyone else..

BR kaki's, I remembered there was a time where there were inconsistencies in the crediting of the monthly interest. Has that been resolved now?

So what day of the month does the interest get credited now? (For new FDs)

If I just placed my FD last month (less than 30 days), will I still get the interest this month?

i think it is confirmed OPR will be increased. more likely 0.5%

Why? as my housing loan (this month) increased from rm1601 to rm1894..
came as a surprise to me

Yes. Im on auto debit.Already increased.greedy harimau. Is it actually legal even before announcement?

Like what Top Goat mentioned last time,  this depends on the BR's FD products code/name.

For example, like my old BR FD (placed more than 2 years ago), it calls Mubeen.
For my Mubeen FD, BR will credit monthly interest to my saving account during 1st day of the month.
So far I have received 2 months of interest on the 1st day of June and July, respectively.

I have another BR 1 year FD calls Bejangka which placed last year December.
For my Berjangka FD, BR will credit monthly interest manually to my saving account based on the
FD maturity date.

I guess your BR FD is Berjangka, so you should receive your monthly interest based on
the FD maturity date.

You can see the FD product code (should be Berjangka) printed on the left bottom side of
your FD cert.

https://www.pbebank.com/Personal-Banking/Pr...r-FD-Rates.aspx
This one?

Have been discussed few pages back. Effective rate 3.4-3.5 or so.

Not tat competitive if compare with BR n Affin

Yes, no stupid CASA thingy for UOB new FD Promo.

To All:

I updated my FD Page early this morning to assist you guys in getting the highest interest rates offered by commercial banks in Malaysia. Some of the current promos offered are as follows:

Alliance Bank NEW 6 Months FD Promo

AmBank 15 Months FD Promo until 31 July 2014.

Hong Leong Bank NEW FD Promo until October 2014 and you may win yourself a home BUT it has the stupid CASA requirement.

Maybank Step Up FD Promo until 10 July 2014.

OCBC FD and Savings Deals, valid until 31 July 2014.

UOB NEW Straight Forward 6 and 13 Months FD Promo without the stupid CASA requirement. This new UOB offer is worthwhile checking out. Promo valid until end of August 2014.

Public Bank Islamic Step Up FD Promo, rates revised effective 1 July 2014 and are valid until 30 September 2014.

Click on the link below to my Fixed Deposit Page and start earning yourself more money!

Click here to my Fixed Deposit Page

Will update Post#1 later when I got the time and please also assist me here by stating any FD promos worth mentioning so that I can include in Post#1.

Guys, sorry I just read through an article from NST. Expert expected a meeting that held by Bank Negara on 10-Jul, it will raise the OPR at least up to 25 basis point.That means if OPR increased, then home loan interest, personal loan interest will be increased as well.... if the same things apply... do that means there will be more interest rate for us to saVE MONEY with fixed Deposit?
The article I refer: http://www.nst.com.my/node/7067

Just would like to check more abit.. since those expert do mentioned that OPR will increase 25 basic point.. it will means how much estimated FIXED interest rate will increase for saving and also how much interest rate for loan?

So the next BNM OPR meeting, we can expect OPR rate changes.
25 or 50 basis point? 

haha, as you said Bro, people (read bankers) are guessing only.

My guess is OPR shall remain unchanged for now because of the following reasons:

1. Pressure to achieve target of 5.5% growth for 2014. This year 1Q growth rate was the worst compared to the last 5 quarters. I have yet to read the growth rate for 2Q of this year.

2. Most bankers justification in supporting their speculation that OPR will increase is because the say house prices are at record highs. But this phenomenon of high housing prices are occurring everywhere in the world where there are no conflicts or war. Tell me which country a young person (exclude Doctors) who has just started to work can afford to purchase a home without assistance from their parents?  And with previous BNM intervention, nowadays 50% of housing loans applications are being rejected.

3. BNM has also tighten the rules for Personal Loans (but many banks still call me offering PL?). That's why BR will be earning less and thus offering lower dividend rates nowadays versus commercial banks which are now offering higher promo rates than last year.

If you ask me, what BNM should do now is limit car loans to max 5 years instead of up to 9 years.

As for banks offering higher interest rates for FD, I think it's because they are raising funds to meet BNM's requirement for next year, click link below:

http://www.thestar.com.my/business/busines...of-total-loans/

I don't remember the limits, but I'm pretty sure I've done giro above 100k before at OCBC and UOB.

I immediately call CIMB when saw the RM50 'CRC charges' in CIMBClicks. The officer said is due to issuer didn't pick up call from cheque processing department for verification 'on the large amount being issued', therefore they need to conduct verification manually via internal and external system.

Don't know whether they are looking from money laundering angle.

I just closed my current account yesterday and never look back again.

Just checked with Mach sunway pyramid branch. The guy say cannot do a OTC giro at HL bank but can get a bankers cheque using moneybox account.