Hi, can we choose to deposit the money to account 2 only?

Alright thanks all for the confirmation...hehe else it will be really syok

Doesn't seem to have fresh fund requirement.

Abit confusing though. If I make a placement and then uplift on maturity date, disregarding the flexibility feature, can I still enjoy the 4.20 pa rate?

No wor..already not getting any CNY hampers from BR for 3-4 years for 250k

Not holding any cards..just normal FD

I actually thick face and called the branch to inquire when the usual letter to collect the hamper never arrive. That time, the manager invited us to collect it. Just a normal hamper compared to brands essense of chicken the previous year but okay-lah. Didn't call anymore the next year onwards. Invitation to gathering and makan makan also stopped so I conclude that they have raised the cut-off amount

If I am in your position, this is what I will do.

I will send an email to Bank Negara inquiring on whether they condone the branch's action of disallowing chop/cross on photocopy of IC, as the main point.

I will also include the conversation with the RM as a secondary point. If I am in the mood to be evil, I will add that this is highly suspicious.

No need to record. The bank will conduct its own investigation. The main aim is to get BNM on the customer side regarding the chop/cross matter so that the dispute does not arise in future anymore.

I have previously opened a UOB joint FD account with my sister (meaning our details are registered in their system) and have since uplifted it. If I want to place a new joint FD account under the same name, will our details still be in their system or we need to re-register?

^noted, thanks

From SCB online portal, this are the details for one of the FD placed during the 4.25%, 18 months promo:

Principal Amount: 20,000.00
Principal + Interest: 21,273.27

This amount is RM15.18 less than what being calculated by online FD calculator tool, 21288.45.

Any idea why? Due to different number of days in a month?

Also,
Does it mean that current SCB customers (NOT New to Bank Customers) are not eligible for the Conventional 15 months 4.5% promotion?


This post has been edited by Human Nature: Feb 28 2015, 04:02 PM

Found my answer.


This post has been edited by Human Nature: Mar 2 2015, 07:06 PM

Looking at the t&c for CIMB unfixed FD promo, 4.20% for islamic FD but can't find any drawback compared to the conventional FD..is there any?

Wanted to move funds from CIMB by issuing a banker's cheque. The teller asked why and I said FD to UOB. She mentioned about the unfixed FD promo but I said it requires fresh fund. She said she can help to bypass the fresh fund requirement, so I placed under the above i-FD promo. Save RM5.15 banker's cheque and 60 cents parking fee

This post has been edited by Human Nature: Mar 3 2015, 07:19 PM

this is only for upliftment on working/non-working days, correct?

Meaning if there are 12 days of public holidays and 100 days of saturday + sunday in a year, the interest is only counted for 365 minus 112 days? That is like 2 months of no interest..

I just placed another FD for the 4.5% 15 mths today, not a new customer too.

For those with SCB basic saving account, you need to pay a fee if you account is dormant for 1 year. Just to share, online IBG and interest deposit from FD are not considered as activity. You need to go to the counter/ATM to do a transaction for it to be considered active.

Interestingly, when I am at CIMB to move out fund, another teller also told me about their 4.2% rate and he is able to bypass the fresh fund requirement.

SCB is in the list. So this is the answer for my questions below. Every 100k, lose RM75.

From the statement below, minimum requirement for SCB PB is 250K. If we have FD of such amount with them but in multiple FD certs, is that considered meeting the requirement? If the answer is yes, do we need to apply or they will automatically send us an invitation?

Okay thanks, will check it out when i go there again. Having the complimentary CC while waiting for FD to mature sounds good

The issue did not crop up at all. I actually informed the officer that I have an existing FD so that he can just look up for my personal details from his PC.

The officer told me that interest will be paid on the 6th month too.

By the way, it is every 6 months or on 6th months only?

I am having a BSA and no approval was needed to tie it up with the FD promo. No mention of Justone account as requirement at all.

This post has been edited by Human Nature: Mar 10 2015, 08:15 PM