Some banks would change the date to following Monday if the due date is Sat/Sun. SCB not doing that. Just saw my maturity date, did not know it is Sat. You are good, even check the due date which day of the week.

Lets see if they pay the interest for Sat/Sun.

I doubt about that. The debit card (tied to the SA or JustOne) should be separate from the FD account. So the leng lui said second year is RM8 is more likely to be true.

Ha, that guy must be just trying to sell u investment product and forget about the card.

Now I have a doubt on that. The first 6 months should go to the SA. My FD is auto-renewed. How about yours ?

Next week if the promotion is on will go there again ! Move out from BR to SCB. Really sick of BR cannot issue cheque.

This post has been edited by bbgoat: Sep 21 2014, 12:18 PM

We will then be looking at BNM Nov meeting.

The first 6 mths interest should go to the SA. My leng lui told me my FD will auto renew. So maybe the 9 other mths interest will go to the SA then the principal will auto renew to board rate. Mine is "2" under Renewal Instruction.

This post has been edited by bbgoat: Sep 21 2014, 01:53 PM

Normally I let it auto-renew just in case I forgot about it. I see no harm. If it goes to the SA and you forgot about it, you get low interest. So auto renew will just do it except if you pull it out, then zero interest. Pro & con.

Thanks for the UOB info. I think my backup plan if SCB promo is off next week may be AmBank 5 mths at 3.85% versus RHB 4.06% 15 mths.

AmBank promo until when ?

This post has been edited by bbgoat: Sep 21 2014, 05:18 PM

You are the champ, Ah ChaCha !

Will be going to SCB again this week after moving out from BR.

You are not eyeing the FD rate but eyeing some other lovely things !

Ah Boom (better sounding name), at least you received your internet id & password. I did not receive it & may have to call the leng lui.

Update: 10.30am Received SMS from leng lui on the temp ID and OTAC. So at least I am not disappointed. Except their system is a bit wierd from all the internet banking that I have signed up so far.

So yours is not auto renew and deposit interest to principal only after maturity ? Mine is interest paid for the first 6 mths. Talking about inconsistency even for a foreign bank !

Still trying to sell Mr Boom the bond ?

I don't think I am the only one getting the "2". Anyone else ?

This post has been edited by bbgoat: Sep 23 2014, 10:37 AM

Bank beauty line-up ?

SCB offer still very tempting despite changing to 18 mths.

I am still withdrawing out from BR and moving to SCB. Not sure what is going on in BR.

In BR to uplift FD. The girl was trying to persuade me not to withdraw. But told them their rate not attractive anymore. Cannot get cheque and no RENTAS (for individual).

The girl said HQ still reviewing their rate and will call me once the new rate implemented.

Moving to SCB tomorrow.

This post has been edited by bbgoat: Sep 24 2014, 07:15 PM

Uncle young at heart loh ....................

The OTAC is to be used with temp user name to log into the internet acct. Once log in, you will be asked to change user name and password. You did not encounter this ?

I normally do not check the due date of the FD placed if it is on Sat/Sun or public holiday. You are good !

Did you ask to change Renewal instruction ?

This post has been edited by bbgoat: Sep 24 2014, 08:29 PM

Aiya, "Uncle young at heart" typo error. Or Uncle gatai gatai.

Ah Boom giving assignment.

OK, provided I don't forget. I think your earlier suggestion of putting everything back to SA is still the best way if they are NOT giving FD interest on Sat/Sun.

Yes Sir ! Understood !

That is simpler. Please see the website. Need to deposit regularly or some requirement to enjoy the special interest rate there. Does not work for me.

Ok, update Ah Sir Ah Boom:

1. SCB do NOT give FD interest if maturity is on Sat/Sun.

2. For this promotion, the instruction from HQ is renew principal and interest go to SA. I mentioned that I heard someone has "1" instead. But the leng lui still repeat HQ instruction.

3. Renewal instruction "1" is for 12 mths or less. I said I heard for last promotion, there are people for 15 mths still getting "1". Leng lui answer is cannot be. Ah Boom, you did not try to change to "3" ?

4. For this 18mths promo, every 6 mths interest to SA.

End of report.

This post has been edited by bbgoat: Sep 25 2014, 07:23 PM

Yes, notice the same today. Still photostat ic copy and a chop. But the chop is away from the ic image so can re-photostat some more copies. If chop is on the ic image/wording then will be better security.

Also have to sign few forms again like opening new acct !

SCB procedure kind of slow vs other banks. After seeing the "consultant" have to go to their counter and wait for the FD cert. Kind of slow, even slower than BR.

This post has been edited by bbgoat: Sep 25 2014, 07:52 PM

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.

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.

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