Gen-X BR's profit rate in the 1st post is no longer valid. It has revised down the rate...again

If 4.1% considered attractive to you...then no need to look up, down, left, right...straight place for >60 month...4.50% yo, arouse you or not?

Best rate offered by MBSB: 4.70% for 5-year placement. I assumed 5-year is deemed as long term to you la

Next in line is BR 4.50%.

Wah, not only the profit rate has been revised down, the nego rate was lowered as well

The ABM gave any hint why they execute the flip flop policy?



This one very tempting...



Yes.

Aiyo, people jiat png, dunno they jiat sai or not. Very jialat la like this. Can simply reverse policy within months


RM8.00 will be charged for the application of the card. No annual fees or other fees involved, unless you want to replace or exchange card.

Answers to your other Qs as per replied by bbgoat.


Yes, we can uplift our FD from other BR branch, but the max amount is RM50K.

Contradicting infos is a common practice for BR

The probability of this practice occurring in the future is still very high

Did you receive any gift?

You should.

What's the tenure when you open the FD account?

I did receive gifts from BR, but not as exclusive as other forummers here have received

Why you no read FD threads here before commit your money?

12-month placement definately entitled you for some gifts. Maybe a face towel or a cheaper version of Parker pen. However, if you happened to come across some lousy BR staffs, then can say to your gifts.

Remember to ask for your gift when you return to the BR branch to deposit, renew or uplift your FD. If they insist that you're not entitled for gifts, then you'll know that particular branch is

PS: For FD, the % rate we get is priority, gifts are secondary

MBSB. But the gifts offered by MBSB are "less" in monetary or material worth than BR (a very subjective view).

For PIDM-protected institution, yes.

If he/she is a government servant who opted for pension scheme, should face no problem to withdraw all EPF money.

Sudah fed up with MBSB & its hope to become a full-fledged banking institution...they've made this sort of statement since 2012

Until now, habuk pun tarak

There's a limit of 10K to withdraw from different BR branch?

Which BR branch staff told you that?

I've posted in FD thread before, the limit is 50K & I know for sure that this limit is in force since early last year. So, 50K is not a new limit.

Tarak quality & inadequate knowledge punya staff...

Wah, such tactic also can pakai ka?

Next time I'll give it a try

Is your FD amount >50K? Tenure?

Agrees…almost tarak appetite with BR sudah. I’m slowly moving my FD to MBSB as well. Only leaving some $$$ in BR for whatever short term purposes.

A few Qs regarding MBSB:
1. Do you have a SA with MBSB?
2. Did you manage to nego for a higher rate than 4.70%?
3. The 2 towels that you mentioned as a gift from MBSB, are those face towels?


Did not say anything because I’m not affected
Plus I'm not lurking here that often since last week because busy doing some reading at other thread
I’m not going to opt for the monthly interest crediting with BR after my FDs reach their maturity date…too tiresome to keep track. I’ll either choose interest upon maturity or move my FD to MBSB

1. Why choose CIMB SA? The interest is 0.01% compared to MBSB's SA that offers >2% (forgot the exact figure, that's why wanna ask you )

2. This part is the same reply that I've received from MBSB...1M with possible extra rate of 0.05% (but no one ever reported that they've got the deal yet )

3. Oh, mine are face towels...aren't face towel & hand towel the same thing ka?

1. Waseh, SA with 3% rate Which CIMB SA are you using?

2. I don't think I'll take that course of action anytime soon...place 1M in a day

3. Nope, mine are in white colour. Probably MBSB have different set of gifts according to branch location...

Yes

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

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?