Newb here.

Where do I find the comparison for eFD rates? (online placements)

Too lazy to walk in to bank.. hehe

How do i eligible to entitle for 6% rate?

So that mean if i deposit 10k and let it running to complete 12 months than i end up getting fully paid of 3.85% rate which is rm385 right? So when the 6% rate come in action??

Meaning from month 1 to month 12, i will get 6% rate at month 12 right? Together with 3.85%? I still dont get it

So, my question is on the definition of fresh fund.

If I do IBG from CASA Bank A to CASA Bank B, then I go for the FD of Bank B, will Bank B consider it as fresh fund?

Or the only option is bank draft that I should forget about the few ringgit of the cost of that bank draft? i notice the method being mentioned mostly in this thread is bank draft.

For those familiar with SCB procedure or with experience:

Previously, I already opened a joint FD account with my dad. If I want to deposit a new joint FD account with my dad again, is my dad required to be present?

TQ

either one to sign

(wow you and kampung become mod already, grats!)

Thanks Captain... 
Ya loh, bring cash is too risky especially in Bolehland.. 
Yes, sometimes cannot get win-win situation..
BR just updated their website on 30 September, now they needs to update again..
I think the same way, just put some money in BR so that the relationship will not be disconnected..

Ah Goat Ah Sir... this time you are in deep trouble lo.. Ah Flo now is the Moderator.  .
Last time you tried to "kacau" her wor.... now how..?    Better don't play play this time.. Ha Ha..

We BIG welcome Ah Flo munkeyflo to be our Moderator and Congratulations to Ah Flo.....  

I was not aware munkeyflo is now Mod. Who kampung?

Congrats munkeyflo, I better be nice to you from now on so that I won't be nuked, hahaha

Guys, another question. If my CIMB saving account is created at branch A, can i go to a different branch to withdraw from saving account and make banker's cheque?

A busy musical chair day for me tomorrow. Have FD maturing at Ambank (1 slip) and UOB (3 slips) and going to add new fund from CIMB. All with different joint account holders 

If UOB allows top-up, then will just take the 4.05% 12m offer and skip SCB altogether.

Congrats munkeyflo     

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.

  you always got fund to deposit.. ah printing money ah..

SCB n UOB seems to be tops for >12 months deposit. It will take me years but slowly moving my funds into KWSP. Nowadays with children growing up, funds seem to be shrinking quite fast.

Min 10k. Just confirmed with my RM

Can update why need Premier Banking?

Can spoonfeed on HYA?

Got RM or not sometimes make no difference one.
Instead offering better service and advice, they may only care to sell insurance or investment product.

RM just a nice name as compared to Public Relation Officer. 

Ah Flo ah.., once OCBC RM told me to deposit funds myself   Lucky for her I am in good mood that time, if not I think she most probably has some explaining to do with HQ.

Premier Banking sometimes also got promo for FD, thats why I ask.

Note: I already cancelled my Premier Banking with OCBC.

Got once the RM want to come to my house to sign some documents. I say no, izzit wan me to get trouble from my better half.

Just return from SCB, bad luck..one banker's cheque goes through, the other one didn't manage as the counter closes at 3.45pm. So have to collect the slip tomorrow...will backdate to today's date.

I am flabbergasted. The manager insists that I cannot open a Just One acc with zero deposit. She even asked what my purpose of opening Just One account if I am not going to deposit RM1500  I really need to get written confirmation from SCB HQ that it is possible. Or maybe can any of you who managed to do so, share me the name of your branch?

On whether is it necessary for both joint account holders to be present for future placement, the answer is YES  Else, you can pay RM10 to sign the mandate form 

On why it is necessary to photocopy IC again and again, bank policy. One slip needs two copies.

I hope you do not mean by pos...hahaha

I meant sit and tell them pass to you. No experience with SCB, but for other PB, i just wait

2 reasons

FREE Coffee and FREE For Life Credit Cards 
Bro, for OCBC Bank Premier Banking, my RM fills the form(s) but I have to personally go to the cashier to deposit cheque or cash. It's also the same for my other PB, i.e. Alliance, HLB, SCB, RHB and UOB, where I need to go to the dedicated PB tellers/cashiers. But like munkeyflo said, for general transaction, i.e deposit and withdrawal, we can just go to the tellers at general baking hall. However for OCBC and Citibank if we do not want to see our RM, we still need to go through a Personal Banker in the general hall even if we want to just deposit/withdraw FD with the tellers.

And why close PM with OCBC? OCBC PB no penalty fees whatsover or need to maintain minimum AUM.
Each bank will assign you only one RM (Relationship Manager) for Premier/Privilege/Priority Banking at any one time. And my RM with OCBC, UOB, HLB and Alliance keep changing. Only the RHB RM is the same since the day I signed up for Premier Banking.
Any bank staff that have clearance to check your account can see where you live (i.e. your address is in their system). Some RMs are really helpful and are willing to drop by your place to collect cheque but it's not in their scope of work.

OCBC used to have a team of mobile bankers that caters to yuppies where they will go and meet you, don't know if this team is still around. 

Now, do you guys know that UOB Privilege Banking will sent a BMW 5 series to your house to pick you up if you are purchasing their investment products. I am not kidding.

Copy and paste from sin chew.
http://biz.sinchew.com.my/node/103488

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. 

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.
munkeyflo - call your UOB RM next time you need transport to UOB.


kinabalu, like magika said, any FD sure can uplift; but if you do so before the maturity date, then like BoomChaCha pointed out, you will be imposed penalty.
hahahahaha, you got a point in your last sentence.

But for each cert they printed the  account is different (affin, scb) except HLB. HLB all same no. (eg 123456789) So no, I dont have new account no with HLB.

My question is can I ask affin and scb to do the same like HLB? Print same account no on my next fd?

Want to ask, say for a bank A which required fresh funds for fd,

Day 1 : Withdraw RM20k cash from bank A.
Day 2 : Bring back the RM20k to put fd in bank A.

Does this count as fresh fund?

Cause last time my mother wanted to put FD, she did that and the bank people said cannot. Actually is not allowed.