I think so..

better to do after 11am

This post has been edited by nexona88: Sep 26 2014, 11:43 AM

From Ah Boom and my experience, zero deposit sum for JustOne acct. with the FD deposit. Debit card 1st year free, 2nd year RM8.

No idea on joint acct.

Thanks. SCB really need to provide more training to their CS.

Can do it early in the day. If you do it by 9.30am (BR open at 9am from what I know), by 3pm to the other bank.

TQ. will be able to do the ambank fd on 1 oct itself.

can we do early I remember BR staff told me to come 10am onwards on FD maturity day to withdraw

Just returned from SCB in Bandar Puteri. Zero deposit to open Just One Savings Account and placed an FD for 12 mths @ 4%.

And Manager came out gave me Priority Sticker for parking ... and of course to sell me other products

Wah...you must deposited thousand to get the priority sticker

Must be big amount u place at the branch to get Priority Sticker for parking

Peanuts compared to so many tai kors in here .... I'm thankful to this thread and to those who constantly updated the latest FD promos.

Sorry if what I have reported has confused anyone. What I am trying to say is the leng lui said for the recent FD promotion, their HQ instruction is for the principal to renew and interest can go to the SA.

So for my FD that was placed last week and yesterday, it all got instruction 2.

Though I mentioned that some of us got instruction 1, the leng lui just repeat the HQ instruction mentioned above.

Did you ask the leng chai if you can change the renewal instruction to 3 ?

This post has been edited by bbgoat: Sep 26 2014, 05:25 PM

That's me, the leng lui said every 6 months will get interest & without asking or informing me, she put instruction 3 for me which was when I just checked the FD slip yesterday, since I was in a hurry to leave when I was at SCB.

Ok..

So the standard Renewal Instruction for 15 months is 2.
Whereas the standard Renewal Instruction for 12 months or less is 1.

But Leng Chai put my Renewal Instruction as 1 even my tenure is 15 months...

Yes, Leng Chai said can change Renewal Instruction , but I did not say I wanted to change to 3.
I will call him next week to find out. I think should be no problem.

On the back of the FD cert, on the last part of Renewal Instruction At Maturity, we can see a clause like this:
Any changes to above instructions must be made before the maturity date.

Yes, you can open a JustOne saving account as joint name account, no problem.

I think Renewal Instruction 3 is the best option.
In case if we cannot make it on time to withdraw the FD on the maturity date, at least we can
get some interest in the saving account, perhaps not too much of interest in saving account, but
it is better than nothing.

Since yours is option 3, then I think I should not have any problems to change from option 1 to option 3.

Your Leng Lui did a good job to get you option 3, this saves your time and energy to go back to SCB to change to 3,
and also you can skip to see the Prudential insurance agent again.. Ha ha..

SCB did the same to me. I saw they stamped on the center part of my IC photostat copy.

Am Bank is worst, they stamped on the very edge side of my IC photostat copy.
I feel that if they want to play a trick on me, they can simply use liquid paper to cover the chopped mark on the edge
of my IC photostat copy, and then make another photostat copy that without showing chopped mark.

I requested Am Bank to stamp on the center part of my IC photostat copy, but they refused.
They said it had to be chopped on the edge side of the IC photostat copy..
I feel that it is very unsecured to me...


Oh, you should have asked the Leng Lui to chop on the center part of your IC copy...

I have been wondering all my days how do con-men steal people IC copy to borrow money from banks?
Last time I asked UOB about this question, they said most of the times con-men use other people IC copy
to borrow money from Ah Long; bank procedures are more straight, not easy for con-men to do like this.

I feel sacred when every time my IC needs to be photostat even with a chop on it.

I think the best way is to renew IC every year.. Will our IC department allow us to do like this or not..?

This is true, we cannot see what they are doing with our IC inside their photostat room..

I have one idea, we can spend some money to photostat our IC in a stationery shop, and bring IC copies to the
banks and ask them to chop in front of us...
I saw one customer did that in RHB bank, I guess she was applying for something like credit card, but not FD...

This post has been edited by BoomChaCha: Sep 27 2014, 12:42 PM

Taiko, I cannot do this complicated thing lah..

To me, since leng lui said "2" is HQ instruction, I do not want to "argue" with her. Still will withdraw the FD on maturity unless something happens to me. Touch wood.

IC copy wise, good point to have copies with us before we go to the bank. No worry of people making copies. But have to make sure they stamp it before us. The stamping has to be around the centre part of the ic image. Never think about this before. Good idea !

This post has been edited by bbgoat: Sep 27 2014, 07:10 AM

Even weirder is..i crossed the photocopy with pen and wrote it is for fd account opening only but the lenglui went to photocopy a fresh one and chop..didn't use my handwritten one. This happened when i applied for a credit card from scb previously too. The agent even laughed when he saw me wrote so many things.

MBSB's competitors for 5-year FD rate still have some catch up to do, so MBSB has the luxury of time to rest & relax. We need to put up with that

At the same time, some institutions are offering FD rates that have taken the shine off BR...I also want to see how long BR can tahan not to revise up their rates

Supposing there is an OPR hike in the future & BR remains undisturbed by it, then we should be very disturbed by its stance. Most likely something very unsettling is going on in BR. At that point, the catch-phrase is ABANDON SHIP!

You can never be too careful. Years ago, people are not too particular about this photostat copying. Mine have so many copies made without any precaution taken. Luckily so far no issue yet. Touch wood again.

I will just stick option 3 to save the trouble, haha

Actually about the photostat IC, it does not really matter where they chop within the IC area.
This is because for those with Adobe photoshop skills, it can be quite easily 'erased' so is just a small deterrent.