All leng lui you will reply immediately. Make sure you dont get suspended by moderators wannabes.

I was at HLB yesterday but only noticed placard for 15 mths / 3 mths fd. Premier Banking was empty of staff and customers. I got a feeling that this must be the most unfriendly bank with nobody minding you.

Yes, that's fresh fund, but why not do it on the same day? And by the way, what method you intend to transfer the fund? Cash or Banker's Cheque?


Not if you do it on the same day or even few days later. Say you like go to the bank after 2 days e.g. after getting banker's cheque from Bank A, you only got time to go to Bank B on Day 3, it will be still worthwhile to go move your funds. Go do the math, for example say Principal RM100K, HSBC 12 months board rate 3.25% versus UOB Promo interest rate 4.05% and you will find that you'll be richer by more than RM750 after 367 days if you go with UOB Promo rate.


haha, leng lui sure we entertain mah. As for wannabe Mod, they got no power to suspend anyone

There are many HLB Priority Banking centres and if you are not a regular, they are not so friendly. The other day I went to a HLB Priority Banking centre and ask the teller if I must take a Q number. Both the tellers look at me in a funny way (normal lah, I'm ususally dressed like a VCD seller, wearing T-shirt, slippers with sling bag). One teller then ask for my NRIC so they can check with their system if I got Priority Banking status. Only after checking she entertained me and was then nicer to me and even tried to persuade me to stick with them when they found out the amount I was withdrawing.

This post has been edited by Gen-X: Oct 24 2014, 12:52 PM

Must be you complain too much la, good guy !

Recently I got food tray given for FD placed in HLB.

Actually I am not sure if she is a she except Captain mentioned "sis" in earlier post.

For HLB, showing the priority debit card will be sufficient instead of showing the ic for them to check. I use it to jump queue and go straight to the PB counter (normal branch not PB branch of HLB).

This post has been edited by bbgoat: Oct 24 2014, 12:58 PM

You dont happen to wear eye patch
If you placed people in front of banking hall, then must make sure they entertain customers lah.

She is the originator of the famous "musical chair" quote, you no respect like a common leng lui.
Nowadays i am very kiasi of being Priority / Premier Banking, as the RMs usually try to waste my time promoting their products.

Captain called everybody sis or bro as he is actually a very young man.

This post has been edited by magika: Oct 24 2014, 02:04 PM

Guys, u hv not heard of "Hell has no fury like a woman's wrath."? So don't mess around with lenglui Flo. Once her probation over you better watch out

Aiyah, Captain Gen-X not piloting pirate ship so don't need eye-patch to enhance his image. He is really a v nice n respectful young man. I am v thankful he called me 'Sis' instead of 'Auntie'. Very flattered u guys, young enough to be my little bros, r calling me lenglui. Actually, I am an ex-lenglui who now totes a pension card to get senior citizen's privileges from banks.

Those Priorty or Privelege banking nowadays r really rubbish. Majority of the RMs r like buayas. They sulk n won't layan u anymore when u tak hui their sales pitch once too often. Despite serving us brand-name coffee/tea their brew still leave a bitter after-taste. Even their gifts, if u r priveleged enough to receive them, r sub-par. BBG, hope the tray from HLB is worth ur time n effort (like having to ask for it?).

Sorry Flo, know its OT. Hope u will just let it slip this time. Will keep mum after this post

The extraordinary "touch" or persona you gave to this forum is unique. Reminds me of the ET reaching out ................ Very moving.

Don't keep mum lah, give us more posts and your unique (ET) touch.

I dislike RM to the extent I have turned down offer to be PB customers and stay as normal for some banks. The so called "gift" are more often not really worth the value. But when I ask for gift it is not to the extent of "effort", ha ha ! Why waste effort to get sub standard gift ? Most of the time the bank will give out without being asked. There is one bank calling me to collect the "gift" but I will only do it when I am going there to do my banking needs.

Anyway, sis, give us more posts ........................

Oh, its not aimed at Ah Flo, our favourite lenglui.

Pension card can get what benefit ? So you are formerly gomen servant? In the papers today, it seems customers deposit are at an alltime low. No wonder all the banks scrambling for deposit in compliance with Basel requirements. Hope the promos will continue as have FDs maturing next month until next January.

rate hike imminent?

"...banks may need to more aggressively compete against one another for short and medium term deposits."

Source = http://www.thestar.com.my/Business/Busines...ures/?style=biz

Expect more promo for FD & deposits from banks..

deposit growth is near 3 year low, banks need to get more money @ deposits ASAP

This means that you got 20k all together right? You can do it on the same day like Captain said, since you already got the funds to put in.

Most of us wait till our FD is mature only we jump to the other bank. We won't lose out on interest that way. If you uplift early, then of course you'll lose out on the interest. Which is why some of us are also placing FDs in shorter tenure, so won't miss out on certain promos.

Eh eh, don't mind me. I got no power here at all. Just another random forumer posting on FD thread like you all.

Ya I agree those Privillege banking nowadays always give sales pitch only. But sometimes still get special parking and also special service from some of them, just have to constantly say no to their sales pitch.

The usual sequence is transfer from A to B first and then płace FD at A. This usually done at the same time before 12 noon within the same day with personal cheque. I believe this is the most efficient way.

Certain bank allowed you to pre-sign the documents 1-2 days earlier before mature day if you happen unable to go to the bank on mature day.

Good morning guys..

Interested to place my extra money into fixed deposit..after browse through first page..seems a bit confusing..there are so many options..

What I have is RM10k and I wish to put for 12 months..



Is UOB FD is the best option for me at the moment? Or any other suggestion beside this one? Any reason why I cant find it at their website? Mostly good FD rate information only available when we walk into bank?

Appreciate for sifu here that willing to share as this is my first time to do FD..

For 10k and 12 mths FD, UOB is the best at the moment, I think. But if you don't mind non PIDM, BR is 4.1%.

Thanks for ur reply..normally how u all do transfer from 1 bank to 1 bank? Use banker's cheque? Or what else method can be use?

Bankers cheque would be good. If you have a personal cheque book then you can use your personal cheque as well.

Easiest and cheapest of course is to withdraw cash but it will be riskier

Else use cheque or interbank transfer.

Few noob question :

1. What is the difference between banker's cheque and normal cheque?
2. How long does it takes to clear a banker cheque? (same day or extra few more days)?
3. If someone hold you at knife point and you have a banker's cheque, can they take your money? (I heard like banker's cheque is like blank cheque like that. Not sure true oe not)

Sorry for asking noob questions

Normal cheque: Personal cheque issued by the current account holder

Banker's cheque: Bank is issuing the the cheque instead

Technically there's no difference for the cheque clearance time.

This post has been edited by David83: Oct 26 2014, 04:53 PM

How about security wise? (is it like a blank check - so if anyone hold you at knife point, that can write how much they want to withdraw from your account )

True or not? The above

account $0, got blank check also no use..
bounce looo