Most banks require you to sign letter of indemnity if lost the cert or withdraw without cert.

Last time harder, need make police report also. Probably last time not so computerized.

This post has been edited by Nauts: Oct 16 2014, 11:43 AM

Alliance Bank do have FD Promotions, my RM always inform me.

One question, do banks auto renew using board rate or follow the rate from original cert?

I have colleagues who just auto renew their FD without checking and have been doing for years.

This post has been edited by Nauts: Oct 21 2014, 09:35 AM

I only use 3 banks, don't care what other bank rates.

Must be polite, respect, and comfortable for me. Rather have long term relationship with the bank than jumping around. More benefits in long run. Not only personal but also for biz.