BR has RENTAS but only for corporate or company account user. 

Bro, thanks for reading my articles

Oh, I am sure you also read about RENTAS in my article, which cost more than GIRO over the counter. RENTAS allow more to be transferred. I wonder if BR have RENTAS facility?
Yes, the UOB 13 months promo is Pure FD. And interest will be paid semi-annually into a CASA account. So, if you have a CASA account then no issue. However if you don't have a UOB Savings or Current Account, you need to open one. AND most UOB CASA account have some fees! If you going for the UOB 13 months FD Promo and need to open CASA, check out their eAccount which is FREE (no monthly fees) but you got to pay for the ATM card I think.
Bro, if no need CASA, why does the interest go into?
AVFAN - last year we discussion at V4 about AUD. AUD/MYR exchange rate about 3.2 then. Well, AUD/MYR is now below 2.9 again USA/MYR strengthen but AUD is weakening like hell against USD (AUD/USD down 0.83% as of now). Time to start monitoring AUD/MYR

3.2 -- > 2.9, that's 9.375%. Whomever deposited in AUD Term Deposit back in May 2013 had wish they have deposited in RM instead.

Since BR stopped issuing banker's cheques, they did an IBG transfer for my matured FD to my CA in another bank but the monies cannot be used until after 6pm today - so cannot placed new FD for today!

Why does it take so long (945am till 6.00pm) to credit the monies?

15mths 4.25% at Standard Chartered before 19th September.
12mths 4.0 %.

These must be the highest RATES offer at this time for PIDM Bank Deposits.

If you want to place FD in RHB, Rentas to RHB saving account can be accepted as fresh fund
for RHB or for other banks or not..?

Thanks for the info..   I will do the same way next time
You can always re-open your saving account, I do not think this is the problem.
The only problem is the promo duration is too short..
Thanks again.. 

They may stop it when they reach the 300M target. I was hoping the campaign will at least run until Friday for me.  :hmm:

As you wish, SCB has extended the FD promo until 31 October 2014: 
This time SCB want to hit RM 500 Million target.. 

https://www.sc.com/my/campaign/special-rate-td/

You guys are welcome..but this time need to "lock" for 18 months wor..

Today I am very frustrated with SCB.

I needed to call Leng Chai staff twice and waited until afternoon then only received
the temporary ID from his sms, this temporary ID is for logging-in internet banking.

In this morning, SCB did not sms me the temporary password, but they sms me somebody
else One Time Activation Code (OTAC) instead...

So I had to call to SCB Call Center to request for another temporary password.
My SCB internet banking is finally registered successfully in the evening...
While asked for the temporary ID, I also asked Leng Chai staff about the Renewal Instruction issue:

Me: How soon can we receive the FD interest?

Leng Chai: Upon maturity

Me: Can you tell me what does "1" mean under Renewal Instruction on the FD cert..?

Leng Chai: Oh.. that one is to add interest to the principle.

Me: Then how about 2?

Leng Chai: Ha..? What 2..? 1 is a standard setting in this FD package..

Me: But my friend got a 2 under Renewal Instruction on his FD cert wor....

Leng Chai: Oh..Ya ka..? Hold on please, let me check... Oh..Okay, I see it here, 2 means to deposit interest into saving account.

Me: Can I change it to 2 for my FD..?

Leng Chai: Cannot lah... system has been set, cannot change

Me: Ok, Thank you. Bye..

Leng Chai: Hello..hello..Mr. Boom, how about the corporate bond? Have you gone thru the info sheet?

Me: 

Now let's take a look at the Payment of FD Interest from SCB:
[attachmentid=4144327]

ii) Deposits exceeding 12 months - six monthly with the final payment on maturity day.
  Deposit lebih daripada 12 bulan - 6 bulan sekali dengan bayan akhir pada hari kematangan.
---> does it mean that interest will pay every 6 months? 

If (ii) is a standard policy for 15 months FD, why there is an option to select "1" or "2" under Renewal Instruction on
the FD cert?

Ha ha.... very funny..    Did the Pridential Agent notice you and chase you..? 
You already placed your 18 Months FD with SCB..?
Did you get any gift?
For me, I did not get anything..

Did the leng lui tell you that interest would credit to saving account?

Aiyo...Damansara Uptown branch manager is really "gao lat", brain wash investment products first then
only can go to place FD..?? Really funny and beh tahan.... 

Unfortunately SCB does not have many branches, unless you are willing to go to another branch which is
far away from your place.
Ha ha.. I know how you feel, it is kind of torture and embarrass when you see her every time.. 

Did you get 1 under Renewal Instruction on your FD cert?

SCB did not do the background check about US citizen issue to me; but AM Bank did that to me about 3 weeks
ago.

Did SCB make photostat of your IC when you placed your FD?

SCB and Am Bank made photostat of my IC when I placed my FD with them..
Quite worry bad people will steal my copy of IC to borrow money...   We have seen many news like
this on the newspaper..
If wait for BR to revise the rates, we all will die in hunger...

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.

I think another forummer mentioned that he also got the FD interest every 6 mths. 

I think Renewal Instruction 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, but it is better than nothing.

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

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...

Take a look at ii) on the FD cert, it stated very clearly that for FD tenure longer than 12 months
will get interest every 6 months..? 
[attachmentid=4157647]

So yours is still "3" for renewal ? 

Today went to RHB and found out that the 15-mth step up promotion has closed from 1-Oct.

Uplifted my 3-mth FD with BR (after 2 time of renewal) and didn't notice they adjust the maturity date by 1 day later (for BR whenever maturity date falls on a holiday they will auto adjust the new maturity date to the next working day)...
I only realized after signing all the withdrawal and IBG forms...and they refused to change saying that the money already transferred to the destination bank.. end up losing interests for premature withdrawal by 1 day!!!

Painful lesson.. anyone has similar experiences before?

I am pissed off that the BR staff never reminded me of the new maturity date..

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. 

Bro, no need be millionaire (technically it means net worth of USD1M minimum), as long got RM300K, can recycle over and over again to get PB status, like in my case, hahaha.

Banks to avoid getting PB status if one only has RM300K to recycle (playing FD Promotion musical chair) are HSBC and SCB because they will impose penalty fees once your AUM falls below the required minimum amount.

Banks like HLB, OCBC, RHB, UOB and Alliance bank no need to maintain minimum AUM but yet your PB status remain, i.e. no penalty fees. For example, I have less than RM30K deposited with RHB and Alliance banks but because I have PB status, my credit cards (RHB Plat, HLB Plat, UOB Plat and Alliance Visa Infinite) are FREE FOR LIFE and I get to jump Q at any RHB branch by flashing my PB Debit card. Click here to read my article Privilege Premier Priority Banking published many years ago at my Ringgit Wise Fool blog. Also click here to my article My Bragging Rights and My Credit Cards 2014 where I mentioned briefly how each of my credit cards benefit me.

As for SCB, you do get their Visa Infinite credit card for FREE but it is really useless as their redemption program is ridiculous. However the SCB Visa Infinite does come with a Priority Pass Membership card but now only limits to 2 FREE entries per year to airport lounges worldwide. If you ask me, don't need SCB PB if only want to enjoy their promo rate because hassle when want to close PB status if AUM falls below the required amount.

Earlier tried to reply you before you get off to MBB. Now replying on your PB status.

For PB status:
HL need to maintain minimum 50k
CIMB also will charge if fall below AUM
CB min RM200k

My MBB PB ended quietly as they do not have FD promo and I withdrawn my funds to elsewhere. Only last 2/3 weeks heard about their exciting promo. Really surprised as MBB seldom have FD promo that excites me. Just like PBB recent FD promo also not bad. 

According to my SC CS, promo 4%pa FD for 1 yr and 4.25%pa for 1.5 yr ends today.

Well, AmBank usually have competitive FD Promos. And the Enrich Miles redemption is also pretty good (for overseas transaction as earn 5X points)

If you ever want another card for airport lounge, I suggest you look into Alliance Bank Privilege Banking because you will be entitled to a FREE FOR LIFE Visa Infinite which comes with Priority Pass Membership Card that grants UNLIMITED entries without you needing to spend a sen anywhere on earth. And you are also entitled to their Platinum card FREE FOR LIFE too which grants you UNLIMITED access to KLIA PPL, get the MasterCard. I would not advise anyone to use the Alliance Bank Visa credit cards overseas because their conversion rate is freaking high. If got time to waste, click here to read my article Visa Infinite - UOB vs Maybank vs Alliance Bank and Best Credit Card for Overseas Transactions.

Bro, click here to my FIXED DEPOSIT Page at my blog and see Alliance Bank FD Promos.

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

I can clarify that their promo is still valid for next week coz i just went to ask them today.