I already have the ATM COOP card & online account but they just charged me RM 5 for renewal fee this year.

Section 14 branch gives the nego rate. Once I was Damansara Utama branch there was an uncle who haggled very long only got the nego rate so don't think I want to spend so much time doing that.

Well, Parker pen is worth about RM60-RM70 i think so it would be more worthwhile than the nego rate for RM100k.
Anyhow, it depends on luck as this round Section 14 branch also said no nego rate declared for this month yet when I went there.

BR's ATM Co-op card should be no annual fee. They did not charge me for it.

Nego rate, I was told is from 50k onwards. But heard from others that diff BR branch seems to practice differently.

How to change to OP card?
What requirement?

When I was there in 2012, just said need the ATM card for activation of online account and normal ATM use. I was given the Co-op card. Did not know they have other type of cards until later.

Went to BR today. BM & ABM were not around, so no one to authorise FD placement & upliftment Wasted one hour of my time

A few things that I became aware of:
1. At the moment, for certain BR branch, even a RM100K FD placement would not make a depositor worthy for a better rate.

2. BR staff can tell you straight in the face that their branch have run out of stock for gifts, but when you let them know that you'd like to place a six-figure amount of FD, out of the blue, they can magically find a way for a gift to make its appearance in front of you. Happened to me twice...different BR branch yo...probably their SOP...should have recorded the whole episode of my conversation with the staffs in HD video...their acting skills & facial expressions really ini maciam yo

3. magika The previous FD premature rate that you have in your possesion is no longer in use. Currently BR is using the same FD board rate for premature FD withdrawal. But didn't ask for its specific calculation if the withdrawal is done in days & not months.

4. aeiou228 Regarding one of your post about some banks giving slightly lower deposit rate than published board rate for large amount deposit, I asked BR staff the same question. According to them, it only applies to commercial banks. With BR, the larger the amount, the higher the chance to get higher rate

This post has been edited by HJebat: Jun 10 2014, 10:01 PM

Been very occupied with work, hardly have time to check in here. Why the sudden interest in BR again (based on what I see in the last many messages)?

About the ATM card, I asked local BR branch and the counter staff said have to pay RM8 annual fee. What's the difference?

Wow, looks like a big timer, please give us more tips in the future. Doing some sort of business transaction in MBB ?

I also like KWSP, but max 60k per year only.

BR USJ only gave me an umbrella for 100k fd! cheapo lah!

Sifus, if the maturity date is 8 Sep, does that mean I can redeem it on 8 Sep or 9 Sep? TQ

This post has been edited by giko: Jun 11 2014, 12:46 PM

Redeem on 8 Sept.

Also BR is more stingy on gifts already. Last time the counter staff can give out the gift freely, now it seems need to go through the ABM. Not sure of other branches though.

Read somewhere that a forumer got a parker pen worth RM60-70. much better than an umbrella!

will redeem it on 8 Sep then.

Ya, but they have 2 versions of Parker pens . One looks more expensive than the others. So depends on which one they give you.

have lots of umbrellas already; a pen or two won't hurt, esp the expensive parker pens!

this weekend have another free umbrella to collect for vios service. with el nino bringing no rain, can use to shelter against the hot sun only!

since paid RM5.15 for the HLB chq, the BR umbrella is just a consolation...

I got a plain solid white colour & one clear blue version but both are plastic on the outside so don't think will be much different in price


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.

Ok, next time i'll ask about the Co-op card.

This post has been edited by gchowyh: Jun 11 2014, 04:15 PM

Hohoho...BR's gift trick finally revealed. I received an umbrella as well...just curious, did you deposit a 6-figure amount of FD to be eligible for the umbrella?

If FD deposit >50k, can ask for nego rate.

... I think it has to be in one lump sum in one cert, and not split amount into multiple cert although it add up to a amount that you are entitle to negotiate ... that was what I was told ... then again like someone have said here before -- anything from BR is not ink in blood ... they can "syok-syok-wan" here and there ... in one year they can drop their rates twice ... just like share market, fix deposit also depend on your risk appetite ... ...

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.

Ha ha, BR has local land lord at each location practicing diff policy or did they change their policy too often ??

Anyway, I am looking at diversifying to MBSB in few months time as well. BR seems to be more unpredictable to me. My branch BM & ABM both transferred and have not met with the new management yet. Have set up good rapport with previous BM & ABM. But now they are gone.