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 Fixed Deposit Rates in Malaysia V7, Please Read Post# 1 & 2

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kinabalu
post Oct 20 2014, 08:50 AM

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QUOTE(bbgoat @ Oct 20 2014, 08:24 AM)
So far my experience is CIMB can place online and withdraw/terminate online. CB, PBB and MBB can place FD online but cannot terminate online.

Good and bad points.  smile.gif
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Hi Goat Goat, not true, MBB can uplift e-FD online as well.
kinabalu
post Oct 20 2014, 10:39 AM

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QUOTE(bbgoat @ Oct 20 2014, 10:18 AM)
I did not find any links to stop the eFD. Unlike CIMB which has one so at any time you can terminate the eFD. Do MBB has that ?  hmm.gif
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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. nod.gif
kinabalu
post Oct 20 2014, 02:21 PM

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QUOTE(nexona88 @ Oct 20 2014, 01:11 PM)
I see.. so then the MBB 4% upfront FD quota already finish whole of Malaysia  rclxms.gif
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QUOTE(dEviLs @ Oct 20 2014, 02:08 PM)
just back from mbb kl main..12m 4% and 3m 3.87% also ended  doh.gif

wats the next alternative for 12m and 3m ar ?
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NOT TRUE!!! I just came back from MBB Kepong Desa Branch, manage to add another 50k into FD.
The quota is still there, it is all depends on whether the branch want to do for you or not.
kinabalu
post Oct 20 2014, 03:21 PM

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QUOTE(munkeyflo @ Oct 20 2014, 02:57 PM)
By right, can. But some banks/branches are stricter. I remember being told that some customers withdraw cash, take another number, and deposit the cash as fresh funds, andden that bank disallowed doing that already.

Best way is to RENTAS out and issue a cheque from another branch. Or withdraw the cash and try another branch. But you'll be carrying the large amount of cash around la.
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wan a bodyguard? brows.gif brows.gif brows.gif
kinabalu
post Oct 20 2014, 04:13 PM

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QUOTE(BoomChaCha @ Oct 20 2014, 03:47 PM)
Ha ha.. Maybe later becomes from Russia with Love..?  wub.gif

Don't know if CIMB, RHB and MBSB are aware of MBB "Attack" FD plan or not..?  hmm.gif
If they know, will they take action to revenge or not..?
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Even MBB staff themselves also not aware of this promo. laugh.gif
Except when we inform them about this promo, they check then only realize about it.

The staff that i met today told me, last week only one person come do the FD promo, not many people knew about it yet.

But i have no heart to tell the staff, last week the "guy" is me! tongue.gif
kinabalu
post Oct 20 2014, 04:17 PM

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QUOTE(bbgoat @ Oct 20 2014, 03:28 PM)
He looks like a real body guard with Russian connection !  tongue.gif
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You say something? laugh.gif

Meanwhile in Russia.
user posted image
kinabalu
post Oct 21 2014, 09:43 AM

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QUOTE(Nauts @ Oct 21 2014, 09:32 AM)
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.
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They follow the board rate.
kinabalu
post Oct 21 2014, 10:40 AM

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QUOTE(bbgoat @ Oct 21 2014, 10:37 AM)
Ah Boom, just saw below from post 2:

"May Bank 4% for 12 Months[/u], up-front FD interest + gift - New added by RO Player on 30 Sept - (This May Bank promo has ended. Updated by bbgoat on 1 October)"

Top Cat is the one that alerted us on the MBB upfront interest deal. I updated on 1 Oct when I placed the FD. But I did not say it has ended. From what has been reported, it may not be ended.  smile.gif
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Yup yup, promo rate has not ended yet.
kinabalu
post Oct 21 2014, 12:25 PM

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QUOTE(gchowyh @ Oct 21 2014, 12:22 PM)
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 drool.gif
They also explained to me in detail Aspire & Premier Wealth privileges.
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Only rich uncles have that kind of extra privilages. cry.gif cry.gif cry.gif

Me small prawn also dont even qualified for Aspire privilages.
kinabalu
post Oct 21 2014, 12:34 PM

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QUOTE(munkeyflo @ Oct 21 2014, 12:28 PM)
Follow the tenure of the original cert but renew at current board rate.

You can leave it there on auto-renew for years and just go update your FD cert when you remember.
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"In accordance with Unclaimed moneys Act 1965 (revised 2002), the moneys in FD/GIA under Automatic Renewal shall be classified as Unclaimed Money if the FD/GIA is not operated for a period of seven (7) years from date of deposit or date of last transaction, which ever is later"
kinabalu
post Oct 21 2014, 12:39 PM

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QUOTE(bbgoat @ Oct 21 2014, 12:32 PM)
No free gift attached to the MBB 4% upfront interest deal. Unless asked separately or attached with other packages.

Wa, free nasi lemak & drink !!  rclxms.gif  biggrin.gif
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I am still wondering what kind of free gift they will give? hmm.gif

I got nothing at all other than the FD certs. sad.gif
kinabalu
post Oct 21 2014, 12:40 PM

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QUOTE(munkeyflo @ Oct 21 2014, 12:36 PM)
Then just go update FD cert every 5 years should be fine. 5 years is a long time also. If you don't go update means you probably forgotten about the existence of that funds already. laugh.gif
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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. hmm.gif
Hope i will remember to uplift it when it matured.
kinabalu
post Oct 21 2014, 12:57 PM

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QUOTE(bbgoat @ Oct 21 2014, 12:52 PM)
Did you get the FD promo from the eFD ? My impression is eFD do not have promo most of the time, I may be wrong.

For me, the FD promo earns more but just have to go to the bank. But for some, may not bother the extra from the FD promo.  brows.gif  laugh.gif
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Last time my amount small ma, so did not bothered on those promo rates as the differences does not worth the hassle.

Now with inflation coming, i start to gather my cash and dump into the bank better lorrr......

But i gotta admit, ever since i stumble into captain Gen-X blog, he has taught me alot alot of things from Credit card to FD.

Because of him, i go apply Maybankard 2 amex and got to know on all the FD promo here.

i really really salute him! And with his obession with the letter 8, i shall salute him with:

notworthy.gif notworthy.gif notworthy.gif notworthy.gif notworthy.gif notworthy.gif notworthy.gif notworthy.gif
kinabalu
post Oct 21 2014, 01:53 PM

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QUOTE(gchowyh @ Oct 21 2014, 01:12 PM)
Didn't know there was such a thing.  hmm.gif
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Well neither do I, but on my FD cert, the Maybank people are kind enough to stamp this statment on my my cert.
kinabalu
post Oct 26 2014, 10:27 PM

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this thread is kinda getting off topic
kinabalu
post Oct 29 2014, 12:38 PM

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Is everyone eligible to be part of the musical chair member? whistling.gif
kinabalu
post Nov 11 2014, 12:26 PM

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QUOTE(judehow @ Nov 11 2014, 12:07 PM)
which RHB  branch is that ?
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Happy Birthday! rclxms.gif
kinabalu
post Dec 4 2014, 11:18 AM

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QUOTE(zororo @ Dec 4 2014, 09:38 AM)
nope now got 1 month & 6 months  icon_rolleyes.gif
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What is the new rate for 1 mth and 6 mths?

I have a FD maturing soon.

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