Thanks for the contribution from all sifus. I'm gonna deposit some funds from CIMB to MBB islamic 4% upfront interest FD tomorrow. The min amount is 25k?

With SCB 18 months FD@4.25% promo over, next best is PBB FDxtra 3.68% + 4.05%?
if you don't have account in the any of the '3 banks'.

Can't seem to see anything regarding the 4% Promo on Maybank site - any idea when this expires?

Also a couple of other questions :

Citibank FD (placed to get a CC) maturity 27/10 , CIMB maturity 28/10 can I uplift these on maturity date, or only the day after?

Maybank FDs (again, placed to get CC) - bank holds original cert, is it possible to uplift and move them to this promotion (maturing tomorrow)

Existing Maybank FD (Islamic, 2 month) maturity date is in November - but only at 2 month board rate so won't forfeit much interest - will be looking to put this into the same promotion also 

Thanks bbgoat..Will try UOB in that case! No point convincing MBB if their rates is lower than UOB.

fund are from 3 banks only can get the so-called under counter FD promo 

Upfront interest paid immediately! this is something new to me! So, you can rollover the interest paid to another FD. A bit of a hassle to open another FD. I will try UOB then.

If I uplift an FD, can I just bank it into say a CIMB savings account - then get a bankers draft from them the next day and deposit as fresh funds? 

Noted you guys posted at 11+am yesterday, I have yet to even leave the house. Boy, you guys really impatient and expect me to report immediately, like me ex-boss. I more like kuli than captain here

Anyway, I did go to a branch that has a Premier Wealth Relationship Manager and I tell you the experience was actually very good. I am going to write about it in my upcoming article. Now I have two items to write about. In the meantime, here's a brief report:

1. At MBB reception counter, told the lady I wanted to enquire about Premier Wealth Banking and FD.
2. Was referred to a Relationship Manager.
3. First thing RM asked was my NRIC.
4. She then key in my NRIC No. into the system and was happy to note what was stated in there. And she immediately inform me that she was inviting me to be a MBB Premier Wealth Customer and will get HQ to sent me a card where I'll entitled to all the privileges of a Premier Wealth Customer. Now, I have not deposited a single sen yet. Freaking good service I must say. I will elaborate this later in my upcoming article.
5. I then proceeded to the matter of interest to me, i.e. FD. She showed me a FD promo which was very attractive but then said she has to check if quota is finished!
6. I then asked her about the 4% upfront FD targeted to attack the 3 banks. I told her I have RHB account and like I said earlier, I took my RHB PB cheque book as proof. I then asked if I can use my HLB Personal Cheque to place the FD. She said that should be ok but requested that I allow her to photocopy the slip in front of my cheque book which showed my name and account number (this slip is supposed to be teared off but I never bothered to do so).
7. She then took the slip and my IC and told me to wait.
8. She return and presented me several FD options and started to brief me. She said that for the 4% Upfront, I can withdraw the dividend credited to my Savings Account and place into another FD immediately (like what bbgoat reported earlier).
9. I did not deposit a sen yesterday and I even said that I may stick with HLB if they can offer me good rates but yet she spent close to an hour chit chatting with me. We talked about numerous deposit products where I actually learned some useful stuff and she offered to assist me in getting increase for my MBB credit card Credit Limit (which is tough since I don't have any salary slips). I tell you, this sweet MBB RM is better than all my other RMs from other banks who seem to always be in a rush.
To reiterate - my soon to be RM said I can withdraw the dividend deposited into CASA immediately and use it to place another FD on the spot. bbgoat also mentioned this before.

If want to report the FD cert is lost, the bank has to get verification and confirmation from all joint names of FD
depositors listed on the FD cert. One party cannot make a valid report that the FD cert is lost (unless it is single name).

For example, If Ah Goat, Uncle Magic and I have a joint name FD cert, and Ah Goat holds the FD cert.
Now, if Uncle Magic has a bad intention and he wants to withdraw all the money and run away to Caribbean Islands
by cheating to the bank that the cert is lost, then the bank will need to get confirmation from Ah Goat and me that
the cert is actually lost.

Ah Boom ah.. you got wrong person running to Carribean Island    It Ah Goat lah..
I remember once BR issuing receipt type instead of cert but later revert back. OCBC using receipt type so lose also nevermind, no need to sumpah people..

So many Gurus in here. My Maybank Premier Wealth RM coming to see me next week to send me a gift. Frankly, I was disappointed with them 2 years ago. Called me to let me know I have a Maybank Infinite card ready if I wanted to. Told my RM yes and waited for 2 whole weeks, a week before flying off via KLIA. Then I called, then only inform me, need me to send some documents before can send the card. I told them to fly kite and she hasn't called me since till yesterday.

Will check with her the best rates they have and to confirm if the 4% Term Deposit fund MUST really be from this few banks only or not. I struggle when I have too many banks to monitor 

Just trying to place the MBB 4% upfront interest FD using CIMB bankers cheque but seems so troublesome. They don't seem to be eager to accept my FD. Initially keep saying no such FD, then say quota finished without even checking. Probably they don't prefer small money from small fry like me 

Ask them to check again then only ask me to fill up form. After fill up form then say need to wait for the cheque to clear so ask me deposit inside my SA first then come back to apply again on Monday.

All this while keep saying only can open if quota still available and keep pushing why not put into the 3 month FD instead.

If they delay again the FD on Monday I probably will just withdraw the money to put in UOB then 

You can try MBB Cheras branch, just behind of Standard & Chartered bank on Jalan Cerdas in Taman Connaught

i just opened UOB FD 4.05% 12mths. They just issued me 'TIME/FIXED DEPOSIT ADVICE' statement. Is it neccesary to request for FD cert? I immediately check UOB online banking and my FD accounts are already there.

Is this safe enough? What is the purpose of having FD certs?

Possibly in Nov as any increase in jan 2015 is too close to the start of gst/flotation of ron95 pricing. interestingly, the global oil prices are down, and we're now paying taxes as opposed to given subsidies for ron95 = http://www.therakyatpost.com/business/2014...t-fuel-subsidy/

UOB do not need FD cert to uplift. I normally do not check if what they issued is a cert or not. So no worry. The online check is suffice, that is what I normally do as well. 

They will also issue you with statement every 1 mth (edited).

Bro, Statement Based Accounts do not issue any cert for FD but they do give you a piece of useless paper for your records when you place a FD.

How come you only get Statements from UOB every 3 months? I get them every month!

Nov OPR increase will be GOOD ! 

Not scared kena sumpah meh..those heavy with loans.. you no pity.

I do think interest rates at present is good enough, rise sumore, lots of people jump off 14th floor. Look at stock market now, big red bear already.

just wondering. Has CIMB ever been aggressive with FD promotions? Any chance of them countering mbb's attack in the near future?

It seems there is an option to 'withdraw' your FD using UOB online banking. No need to walk-in to branch. Convenient but may not be safe if your account gets hacked !

2
n also you got good heart not like your friend Ah Boom.

Wonder whether BR can online uplift FD as can see it there. MBB efd can of course, but MBB normal FD can see but not sure whether can uplift online.

I am very pleased with my musical chair activities this week.

Winner - SCB and UOB
Loser - CIMB, Ambank, OCBC

I really like UOB nowadays due to ease of placement and upliftment (can settle under 10 minutes) as there will be no queue, and just need to deal with one staff.

nomen and royalz, like I promised earlier, I will show you guys how to earn extra couple thousand Ringgit in 3 months by depositing with a particular bank versus all the 3 months FD posted in Post#1 and 2. However, I miscalculated earlier when I mentioned that one only needed RM300K to earn more RM2K in interest. I only work out the effective rate while writing the article and to earn extra RM2K, need RM1M! hahahaha

And this latest article of mine is dedicated to MGM, bbgoat and kinabalu for their effort in assisting me to earn extra pocket money. I also extended invitation to all FD Fans to come join this thread and make it more exciting plus longer too, hahaha.

The article was written with the intention to benefit those who are new to Fixed Deposit Promotions AND at the same time to benefit serious FD Fans where I shared discrete FD Promos to earn you guys extra pocket money.

Without further ado, clcik here to start reading my article titled Get More FREE Money With The Right Fixed Deposit Promotions.