Gary has not received his interest, so SCB is still in the middle of crediting
interest manually to depositor accounts.

This is true not to put too many eggs in one basket..
For example, I already put in RHB at 4.21% intead of SCB at 4.5% Islamic ma..

Ah Sir, but this time I want to shoot to the maximum now..

I missed the Am Bank 4.5% for 3 years..

Can recommend which options..?

This post has been edited by BoomChaCha: Apr 25 2015, 07:51 AM

Whether to "lock" for 5 years, this depends on my health condition lah..
My next medical check-up will help me to decide..

When you become old one day, then you will understand what I am talking about..

You are correct, Ah Sir..
It is still hard to say next OPR will cut down or not..

But I still think MBSB 5 Years & BR 5 Years are the best so far...
Just put in 5 years and not need to chase for Musical Chair anymore....

Thanks for the info..
I will find out to see if I can appeal or not..


I do not know what is the difference in between SCB conventional FD & SCB Islamic FD,
but I know SCB Islamic FD is a little bit troublesome.

Your Service Manager is wrong.
Renewal Instructions: 1 (Option 1) is noting to do with the FD interest crediting issue.

As long as your FD tenure is more than 12 months, you will get interest every 6 months.
It is stated clearly on the FD cert (ii) as below:


You have not received your interest is because SCB screws up this time, I think SCB is crediting
interest manually to all FD depositors nationwide. Tell your Service Manager that some of your friends have received interest, talk to him nicely and ask him to expedite the process to credit you the interest.

You can ask for a sample of FD cert from SCB counter and show it to your Service Manager, the FD cert is stated clearly on condition (ii), you will get interest every 6 months. I did like this to my Service Manager, he agreed and promised to help me to chase for the interest.

This post has been edited by BoomChaCha: Apr 27 2015, 09:38 AM

MBSB 1 year FD at 4.3% does not have monthly interest, interest will pay when FD is matured..

This post has been edited by BoomChaCha: Apr 27 2015, 09:18 PM

I went to SCB Saadiq (Islamic)this afternoon, the customer service told me
no need to wait for the check clearance, Islamic FD can be effective on
the same day if submit check before 4.00pm. And can just ignore the
sms when SCB ask you to participate something.

I agree..
I was thinking to place FD in Alliance Bank, now I change my
mind to place FD with SCB Saadiq (Islamic) 15 Months - 4.5%..
obviously a better deal..No pain no gain lah...
I will place SCB Islamic in two days later..

HSBC 5% for 3 Months FD has extended to 30 June 2015
Minimum RM 5K, maximum RM 30K
Min RM 5 to open a current account
Free Umbrella while stock last

Yes, only 3 months..unfortunately
If you want to place more than RM 30K, you can find your relative(s)
to open joint account with you, for example:
(1) You, under your single name -- one account for first RM 30K
(2) Under you and your wife joint account -- one more account for second RM 30K
(3) Under your wife single name -- another FD account for 3rd RM 30K .. and etc..

So, you can place total RM 90K under 3 accounts at a time..

One is short term (3 months), another one is longer term (15 months),
how to compare..?

Just withdraw the FD and close the current account on the same day when the FD is matured.
But only can withdraw FD one day after the FD maturity day due to the set-up of this Islamic FD.

I know SCB will pay...
But let see lah.. May put in Alliance Bank..

Hah.. C D & gf & unties? What did they say..?

Hi, here is the T&C of HSBC 5% promo for 3 months:


Here are few tips:
This HSBC Islamic FD will not effective until your check is cleared, so you will lose
at least 2 days interest.
You can only withdraw your FD on the next working day of the FD maturity day.

Open a current account only requires RM 5.00.

Once the FD is matured, remember to close your current account and withdraw your FD
together on the same day.

A member reported that it has a penalty charge if the total deposit falls below RM 30K after 3 months.

Most FDs require minimum RM 10K now..

Yes, you are right.
But if you want to get more accurate calculation, please use 365 days instead of 12 months.

Ringgit Plus will suspend you from participating their future promotions for life...

You can consider
(1) CIMB Islamic 4% for 3 months
(2) UOB 3.9% for 3 months

This post has been edited by BoomChaCha: May 3 2015, 11:38 PM

Yes, 4.2% for 12 months is available:
http://www.ocbc.com.my/assets/pdf/Accounts...eal_general.pdf

To call OCBC Personal Banking Hotline:
1300 88 5000 (8am - 10pm)

Affin Bank's saving account rates are going to drop effective next month..
http://www.affinbank.com.my/General/Rates/...on-rate-en.aspx

AFFINGrow Campaign, valid until 30th June 2015
Sign up for AFFINGrow today to enjoy 5.5% p.a.* interest rate returns when you
place RM50,000 in a Fixed Deposit account for a 3-month tenure and gain potential
greater returns with Unit Trust investment.



http://www.affinbank.com.my/General/Whats-...w-Campaign.aspx

This post has been edited by BoomChaCha: May 11 2015, 04:22 PM

Thanks for the info..

So, m2u savers is number 1; and Affin is number 2..?

Oh.. No.. Alliance bank is not doing this right..

I deposited a Maybank banker's check to my Alliance saving account via Alliance Bank ATM
machine before 4.00pm on 27 April.

Then 2 days later on 29 April, I went to Alliance bank to use the money from my
Alliance saving account (money from Maybank banker's check) to place FD with promo rate
4.1% for 1 year tenure, no problem at all. The bank staff did not even ask me the source of
money. After I gave her my bank saving book, then she just placed FD for me.

I think for your case, you need to talk to the bank officer or branch manager,

Since I can do it, why not you..?

This post has been edited by BoomChaCha: May 12 2015, 12:24 AM

Thanks for the info.
But I think this not worth it to join this promo, just as the same as below..



I think this is the best in between long term and short term tenure..

This post has been edited by BoomChaCha: May 28 2015, 09:34 PM

Oh.. I saw it wrongly, I thought it was RM 100K...

So, if only for RM 10K, it is worth it to to place RM 10K to get the Huawei tablet..

But one bad news...I just called to Ringgit Plus, they said this gift promo is only for
customers are are totally new to UOB.

I asked Ringgit Plus about this, they said old customers can place the FD, but old customers will not entitle
to get the gift. These gifts are for customers who have never been opened any accounts in UOB..

Ah Sir, unfortunately.. Ringgit Plus said this cannot be done like this, close account also no use.
Only new customers can participate to entitle for the gift..

Ringgit Plus advertised it retail price RM 1349.00 :
https://ringgitplus.com/en/fixed-deposit/UO...ed-Deposit.html

This post has been edited by BoomChaCha: May 29 2015, 11:09 AM

This one okay or not?
http://www.calculatorsoup.com/calculators/...-calculator.php

This one is good for loan:
http://loanstreet.com.my/calculator/flat-t...rest-calculator

Ah Sir.. I see..

I was worried UOB would close my FD account because I did not place FD with UOB for a long time.
It is so troublesome to re-open a FD account (for example like photostatting IC.. ).
So few weeks ago, I put minimum RM 500 at FD board rate 3.3% for 1 year with auto renew.

I think more than 6 months since the last time I withdrew my last UOB promo FD.
According to UOB, UOB FD accounts will close if no FD for more than 6 months.

I think I will do the same to OCBC too..

No, I do not have UOB saving or current account.

But we have to renew the FD & CASA within 7 years;
otherwise our monies will send to bank negara..

This post has been edited by BoomChaCha: May 30 2015, 08:48 AM

The UOB operation manager (she should be old virgin woman lah...) was very "Guai Lun"...
Few years ago when I opened my first FD in UOB, maybe I was not Leng Chai to her, she checked my
CTOS (I saw my CTOS print-out on her table).

No, I do not have UOB SA..
So far I have never placed UOB FD that needs SA...