Above is my quote right? How come you did not quote it?

Anyway, UOB is known to revise their rates without any prior warning. So, call UOB or just visit Post#1 and Post#2 when your funds are ready to be placed in FD.
Bro, firstly, I wanna thank you for letting me know you appreciate my "hard work" at my blog 

Secondly, life has its up and down moments but for now I tend to agree it's wonderful. Most of you guys here are placing new FDs periodically. I, on the other hand, is withdrawing my FDs periodically and getting poorer by the day And if you had read my previous article, My Pride and Joy Who Also Makes Me Poorer By The Day, I have said that I will now be cashless sooner that I have expected.

As for the FDs being back dated, I learned this from an aunty many years ago. I was at UOB PB Centre and there was this aunty sitting if front of the teller for quite a long time not doing any transaction and kind of holding up the Q. So when it was my time to be served at another counter, I asked the teller what is with the aunty, and I was told that she was waiting for HQ to approve her appeal for her matured FD to be 1. given the promo rate and 2. back dated to the date it matured. So, from then onwards, I learned to be thick skin and request for stuff. However, it is not often that my request are approved but if my FD matured like for 2 or 3 days only plus I offer them some sweetener (e.g. I promise to place X amount or I have another FD due soon), then it is easier for it to get HQ approval. And it also depends on my relationship with my RM or Bank Manager because if they are not willing to call/email HQ, then there's no way it can be back dated.

As for UOB, since last month, I don't even need fresh fund, they are willing to give me whatever promo rate they are offering for my matured FD on the spot without needing HQ approval. Banks are now competing for our funds and I guess UOB is on aggressive mode as they are offering straight forward FD at 3.5% and 4.05% for 3 and 12  months respectively. Next time you go to the bank, ask the teller what is their current monthly target quota for deposits and you'll be shocked!

Frequent Flyer = probability of getting killed in air higher too, hahahaha.

And since you took the trouble to thank me and letting me know you appreciate my work, I have decided to include in my up coming article on how you may just find yourself richer (up to several thousands Ringgit) by placing a 3 month FD with a certain bank.

sorry Gen X forgot to quote or was it too long to quote haha ..anw appreciate ur contribution..been reading ur blog alot. awesome tips .even followed ur fb page. please sharee ur upcoming article. still couldnt figure how can get up to several thousands by FD? hmph intteresting

two under the counter MBB's FD offers:
3.95% for 3m FD min 50K. Must be cheque  from the 3 'banks' in one lump sum, cannot combine with cash or other banks's cheque.

4% 12m islamic FD with interest paid upfront, giving effective rates of 4.16%.

two under the counter MBB's FD offers:
3.95% for 3m FD min 50K. Must be cheque  from the 3 'banks' in one lump sum, cannot combine with cash or other banks's cheque.

4% 12m islamic FD with interest paid upfront, giving effective rates of 4.16%.

hahaha, you don't have to quote the entire post, "cut" lah the section not applicable to what you are replying.

And thank you too for letting me know you appreciate my "hard"work" published at my blog  And since you do read my blog, just bookmark the Fixed Deposit page and check out current FD Promos before you place any FD. And since you follow my Facebook Page, you will be informed when I'm overseas, that's when you may not need to go check my Fixed Deposit Page but better come here and read post#2 and be bombarded with all kinds of FD promos, hahaha. 

Bro, earning several thousands Ringgit by FD depends lah how much the principal and this thread has many loaded people [but they claim to drive Proton (magika and BoomChaCha) and Kancil (bbgoat)]. What I meant earlier is I am going to share how one can earn "extra" several thousand Ringgit by placing a 3 month FD (versus all the current FD promotions listed in Post#1 and 2) with a certain bank. But in order to earn the extra RM1K in 3 months, the Principal sum needs to be minimum RM300K.
Bro, the 4% upfront is good! Updated Post#1.

And usually Maybank promos are applicable to non-individuals too but it may end earlier if quota is met.

bbgoat - your MBB contact useless lah, never inform what MGM reported

I dunno why we are getting different info, well I got mine direct from a MBB branch today.
CS refuse to give me a hardcopy. so I only manage to take a pic.

For the islamic FD promo, the fund must come from the 3 banks too?

Bro, MGM did specifically mentioned "under counter". Yours must be over counter, hahaha.
Bro, I don't think so. Previously they were offering 3.85%. So, now 4% is not a surprise. Looks like it's time for me to finally go get Maybank Premier Wealth Banking Status so can jump queue at Maybank.

For the islamic FD promo, the fund must come from the 3 banks too?

How to differentiate between over or under the counter deal?

When I ask for the FD, they refer to that piece of paper I snap with and they are reluctance to let me hold the paper. 

What I meant earlier is I am going to share how one can earn "extra" several thousand Ringgit by placing a 3 month FD (versus all the current FD promotions listed in Post#1 and 2) with a certain bank. But in order to earn the extra RM1K in 3 months, the Principal sum needs to be minimum RM300K.

two under the counter MBB's FD offers:
3.95% for 3m FD min 50K. Must be cheque  from the 3 'banks' in one lump sum, cannot combine with cash or other banks's cheque.

4% 12m islamic FD with interest paid upfront, giving effective rates of 4.16%.

bbgoat - your MBB contact useless lah, never inform what MGM reported

For the islamic FD promo, the fund must come from the 3 banks too?

I dunno why we are getting different info, well I got mine direct from a MBB branch today.
CS refuse to give me a hardcopy. so I only manage to take a pic.

Bro, MGM did specifically mentioned "under counter". Yours must be over counter, hahaha.
Bro, I don't think so. Previously they were offering 3.85%. So, now 4% is not a surprise. Looks like it's time for me to finally go get Maybank Premier Wealth Banking Status so can jump queue at Maybank.

Tomorrow I will go to Maybank (and look under the counter  ) and see if I can get hold of any piece of paper and take a photo of it.

My funds with HLB Junior FD (4.5% deposited 4 years ago) will be due very soon, was considering either UOB or Allaince but the Maybank Islamic deal is even better. However, the Branch Manager of HLB asked me to see him before I go deposit else where as he knows the Junior FD 3.95% (24 months) is not competitive. Let's see if he can offer me 4% for 1 year FD.

To ALL:
Talking about renewing FD, I tell you Citibank Australia CitiGold is really good. My RM will call me on the day my FD matures (on my Australia number and if I am in Malaysia, I will ask them to call my Malaysia number) and they will ask what I want to do with my funds. And I can even negotiate with them on the interest rates for any Term Deposit tenure and it will be more than 1% higher than what is stated in their website.

Agree, best to be liquid and put short term but high % rate. No more than 6 months for me.

Captain, the 4% upfront interest is very attractive. I even used the paid interest to place another FD and get another upfront interest.  This one is second to the SCB 4.25%

Ai ya, could be because I am driving a kancil, she saw that and decided to remove me from the list. 

Looks like it's time for me to finally go get Maybank Premier Wealth Banking Status so can jump queue at Maybank.

Yes, if the Principal Sum is substantial, upfront dividend is very good as can use the dividend to place another FD.
Yes, that day you went to MBB using your Chauffeur's Kancil and park in the Private Banking designated parking lot because your Bentley Continental GT was being serviced 

Yes, that day you went to MBB using your Chauffeur's Kancil and park in the Private Banking designated parking lot because your Bentley Continental GT was being serviced 

Bro, if you really need your funds to be liquid, split your FD. However in general, 12 months FD earns you more interest rates versus 3 months.

For example, say you have RM200K.

RM50K - 3 months. Upon maturity change it to 12 months.

RM50K - 6 Months. Upon maturity change it to 12 months.

RM50K - 9 Months. Upon maturity change it to 12 months.

RM50K - 12 Months.

After a year, you have funds maturing every 3 months. The sum needs to be substantial or else wasting time going to the bank.

Aiseh man, so many rich uncle here, i only able to ride kapchai to work everyday and not sure when can get premier banking like u all.