for information : AFFIN 4.38% 24 months FD promo.

Please note, if JOINT AC.. need to pay another RM10.00 for stamp duty.

Also need sign a stack of forms saying NON US CITIZEN.
(i hv no idea why??)

together with FD compulsory to either open :
1 PASSBOOK - RM 100 minimum
or NON PASSBOOK - RM 20.00 minimum come with online banking, FREE ATM.

Ah Sir Ah Goat & Double Magic, I just called to KWSP, the operator (quite friendly) said:
if submit check to self contribution account, it will take within 7 days to clear the check,
and if submit cash, it will take within 3 days to "clear" the cash.

Double Magic is right, we will get 1 day interest for the month that we submit payment,
then next month will get full month interest. 

I was thinking to complain, but I think I will complain after I withdraw my FD first, because
I am worried she might take revenge to sabotage me since my money is still there.

If I complain, I will call the branch manager first, then fax an official complain letter to
AM Bank HQ (maybe to HR department), and cc a copy to the branch manager in Sri Petaling
and also OUG branch.

The most pissed me off was that the Am Bank RM mentioned twice to ask me to keep my money at home... 
Why she mentioned twice I think because she wanted to make sure I heard what she said..?

This RM is lucky this time, because my doctor asked to cool down since I got a high blood
pressure..

Last time, when I complained a RM from OCBC, the male branch manager asked me to fax the complain letter to his room, but I said I wanted to fax the letter to OCBC public fax machine,
I knew that the branch manager wanted to cover/protect the RM without letting other staffs know
about my complaint.

Leng Lui..?    I do not think so.
She is married, small size and skinny, not tall, her age is around 32 or 33 I think.
Big xxxxxt? I do not think so lah.. 
Maybe you are talking somebody else..?

This afternoon, I called to Sri Petaling branch:

Me: May I talk to the branch manager?

Am Leng Lui: what is regarding?

Me: I want to complain a staff from your branch

Am leng Lui: Oh..what happened? Who do you want to complain?

Me: Are you the branch manager?

Am Leng Lui: No, I am not.. 

Me: Then why you want to know? Can you help about this matter?
      Never mind lah, I let you know what happened, I want to complain to a RM who is
      also in charge in Sri Petaling branch , you should know who she is. Last time I came to
      open FD account, I was not allowed to put a chop or cross on my photostat IC,
      Then the RM said if I worry this and worry that, I should keep my money at home, some more
      she mentioned it twice. I think she had the intention to irritate me..

Am Leng Lui: Oh..Then I think you'd better talk to the branch manager first before you complain.

Me: Please pass the line

Am Leng Lui: Can I have the branch Manger to call you back?

Me: Ha..? Why? What is your name? I want to talk to him, now..!!

Am Leng Lui: Ok, hold on..

Branch manager: hello

Me: I want to complain your RM... (bla bla..)

Branch manager: Oh, I am very sorry about this, what is your IC?

Me: My IC is.....

Branch manager: But the RMs do not report to me, they report to the Central manager

Me: I will submit my complaint letter to customercare@ambankgroup.com and serviceresolution@ambankgroup.com, may I cc you a copy? May I have your email address please?

Branch manager: Yes, this is my email address. Mr. Boom, your FD will mature next week..

Me:I will withdraw it in another branch and I will not come to your branch anymore

Branch manager: Mr. Boom, I can assign another officer to help you for your banking matter.
                      Please give our branch a chance..

Me: As long as the RM is there, I will not visit your branch anymore. Thank you for your time

Ot a bit...  There is no cash advance loan that hv lower interest rates than FD right?

Just received a call from ocbc some rm30k cash with 0.5% rates. ...

Hi,

I would like to open a joint account FD however my partner will not be able to go to the bank with me. Is it possible to still proceed with a joint FD?

Talking about fresh fund,

Scenario 1:
I have normal Saving account & e-FD in Maybank and
would like to transfer fund to their latest step-up campaign, does it consider fresh fund?

Scenario 2:
I have Saving account in Maybank and
would like to take UOB FD fresh fund promotion campaign, do I allow to open the FD account first and IBG to it?

Any tips on generating the "fresh fund" besides transfer one bank to another bank?

ya...no eyetertainment..after two days hunting.....

went over to Ambank, their product called wealth..something sounds good, it is a saving plan with 6% guarantee interest....death protection too....

Just back from OCBC Bank
They offer 1st 6 mths @ 4.0% pa n 2nd 6 mths @ 4.4% pa
Effective rate is 4.2% pa -v- normal board rate of 3.25% pa for 12 mths

I think another forummer mentioned that the interest from the 1st 6 months will be added into the principal so the final rate is slightly higher than 4.2% for 12 months. 

Ha ha, for me, it gives me good reason to get some more eyetertainment in OCBC. Probably next week.   

BR called today asking me to confirm this Sunday hi-tea in Penang. Still maintaining some FD but did not top up for quite some time already. 

u always place FD.. never support the RM by buying the unit trust.. so they no business, then lingkup and run else where lor.

Guys,

Ocbc step up is it the same like PB which will change according to opr?

change when OPR change?

i thought its FIXED deposit with interest rate FIXED.

When I read:
My money all in  RM

excitement of "which RM", "RM in which bank ?" ........... 

But short lived. Good one ! 

Did you get free RENTAS again & again from BR ? 

In HL this morning. They have 6 mths 4% FD, ending by May. It is Islamic FD.
Then 3mth 3.8% and 3.85% for PB customer, min 10k. By end of June.

Paid RM0.68 cent for banker's cheque (HL PB customer, normal is RM5 +).

Moved to OCBC for 1 year 4.2% ++. Reason for ++ is the first 6 mth interest will add in to the principal for next 6 mth, so overall slightly more than 4.2%.  Except they are using 180 days as basis for interest calculation. One forummer has reported on this earlier.

Leng Lui RM tried to sell me UT product, disappointed her today. Maybe will do it next time. Haha. Anyway eyetertainment today, but much shorter time. Haha.   

mayb we shud go to d basics of fixed deposit. y fixed deposit is consider safest investment? issit bcoz of this thingy of pidm OR it is DAT safe?

if bank rakyat able to maintain high interest rate compare to d normal fixed deposit, ill take it anyday. d most interesting part of it is, d min amount is rm500 n above. i could put in FD every month from my salary n let it grow!
 

pidm is also the guarantee by govt of msia?

it's doesn't really make sense for govt run banks to have pidm....

pidm is also the guarantee by govt of msia?

it's doesn't really make sense for govt run banks to have pidm....

But you asked me recently, "u no scare meh ?". 

Last Sunday high tea, other than what I posted, someone asked if the government guarantee is in B/W. The VP answered it is in the form when we first sign up with BR. Not sure if I keep or sign any form when I joined BR >2 years ago. Anyway I would take that with a pinch of salt.