I scattered my FD to multiple small FD, ie:

1,000 for 1 month
1,000 for 3 months
3,000 for 6 months

For the purpose of ease of withdrawing during emergency.
It has now grown to extent it is all over the place.
Would you guys take it out and move it to another for the hassle or let it be?

Ie, if a bank offers better rate, when the rate expired, did you guys take out the fund and move to another bank?

I find it a little too troublesome lol

Depend on the amount loh.. if earn too little then not worth it..

Hi all sifus here,

My current FD is placed with PBB at an super low FD rate. Can i withdraw tat FD in bank draft and put in into my saving account with CIMB and make a bank draft in CIMB immediately or instantly with tat fund, so that my fund now come from CIMB instead of PBB, in case the MBB branch i going to visit insist my FD fund for the under counter 4% FD must be from tat 3 banks.

Thanks all.

Bank draft is like cheque need time to clear. Why not go direct to MBB and find out? I thought 4% dont need fund from 3 banks?
You can Rentas it in the morning, and be able to buy Bank Draft in the evening. Alternate option Giro across but got slight delay.

Refer to 1st page, Uncle Ah Boom post.

Just saw the note below on UOB online banking FD page. Looks like no uplifting online if FD done in branch.


Note : Fixed Deposit withdrawal via UOB Personal Internet Banking is only applicable for Fixed Deposit placed via electronic banking channels, i.e UOB Personal Internet Banking, UOB 121 Phone Banking and UOB ATM.

This is good security measure if you ask me.

Hi Goat Goat, not true, MBB can uplift e-FD online as well.

Bro, I'm not sure about termination. But for MBB eFD, when placing the eFD, I set it to credit into my SA upon maturity. My eFD in MBB is standby fund to pay for my credit cards bills.

For FD, most banks can accept cheques right? Planning to go Hong Leong later......

Got la, at the e-FD upliftment page there can uplift even when ur FD havent reach maturity date yet.

You go maybank2u play play and see, got one. 

hi all, i gonna try my luck at mbb hq for the 12mth upfront interest later

been reading thru the threads, wats the best for 3mth now ? is it UOB with 3.8% ? but is tat CASA ?

so the MBB 4% upfront FD quota already finish? or finish for certain branch only?  

isn't that apply to funds from the 3banks only ? i dont have account there 

I see.. so then the MBB 4% upfront FD quota already finish whole of Malaysia 

Already V7?  I thought the thread was closed and unable to view. When I asked Lowyat why the thread was closed and get the reply that I closed it. They thought I am Gen-x...real funny

Anyway just wanted to share some update on interest rates.

HL FD 12 months 3.95%
UOB promotion for 10 days only, got this info when I dropped in last Friday, 12 months 4.05%

wan a bodyguard?     

Lol. Don't need. I prefer to do GIRO, write cheques or get a bank draft.

Ha ha.. Maybe later becomes from Russia with Love..? 

Don't know if CIMB, RHB and MBSB are aware of MBB "Attack" FD plan or not..? 
If they know, will they take action to revenge or not..?

You say something?

Meanwhile in Russia.

Standard bank draft charges apply. Use giro will be cheaper.

Sorry just noticed this is already mentioned by Gen-X and supposed to end 15 Oct. But when I walked in Am bank yesterday, i was offered ths promo.

HL bank recently increased their FD rate by 0.1%. 12 months pure FD reported earlier 3.85% now is 3.95%.

Surprisingly BSN (bank simpanan nasional) also joined in for the FD race. 3.95% for 12 months but 15% to be kept in saving account. The only plus point is the Korea lucky draw trip.

OCBC Penang premier banking section is expanding. Should be operational by next month. Was told it will be the biggest premier centre in entire Malaysia. May be there will be FD promotion to attract premier customer.

With the GST implementation next year and expect the infation rate moves up from 3+% to 4-5%, very likely Bank Negara will increase the OPN in very near future. My personal opinion is dont lock in for too long period, best is 3 months. Am Bank 5 months will be a good choice too.

Yup yup, promo rate has not ended yet.

Just came back from Maybank, so is confirmed the 'under table' Maybank Islamic upfront 4% deal is still on.
No free gift though & have to wait till the CIMB/RHB cheque clears only can get the cert.

Sea Park branch service is great & even have free nasi lemak & drink today for all customers
They also explained to me in detail Aspire & Premier Wealth privileges.

I am still wondering what kind of free gift they will give? 

I got nothing at all other than the FD certs. 

But who still does that manually nowadays? i prefer e-FD as i can monitor it or uplift it remotely.
For the promo 4%, this is the first time i got the FD cert physically which kind of new to me. 
Hope i will remember to uplift it when it matured.

Didn't know there was such a thing. 

Well neither do I, but on my FD cert, the Maybank people are kind enough to stamp this statment on my my cert.

So the money dissappear ? Dun belong to the owner ad ?