They always do that. FD/UT bundle. Whether local or foreign banks. But as I said before, one should not take up the bundle just because of the high FD rate offered. It should be one has interest to invest in UT and can withstand the volatility of UT.

OK, end of UT discussion. You guys are regulars in the ASNB thread.

This post has been edited by bbgoat: May 31 2015, 09:43 PM

UOB is customer oriented...I have been using the same approach on Ocbc FD for more than a year but the RM never asvised to top up. Either it is Ocbc policy very strict on fresh fund or RM unwilling to help. My RM was promoted recently, the new RM not even bother to sms or call to show her presence. Comparatively UOB RM ringed up to introduce herself and asked to drop by when free.....

Not sure I get what u are trying to say. I am saying for UOB, instead of RENTAS out my matured FD and then issue a cheque as fresh fund to get FD promo rate, the counter girl said top up the matured FD by at least 10k to get the promo rate. But their FD require fresh fund of 10k also. So this is no big deal as if I put in fresh 10k, then I got the FD promo. So the suggestion becomes, fresh 10k plus matured FD.

What approach did you take on OCBC ?

Why are you bringing RM into this discussion ?

This post has been edited by bbgoat: May 31 2015, 10:19 PM

Good Morning, Ah Sir..

BR is abnormal today, I just checked my iRakyat account, I have not received the monthly interest..
Have you received yours..?

About less than 2 years ago, BR credited monthly interest right after mid-night like 12.05am; then they
changed to credit interest at around 7.00am...

Some Board members of Affin and 1MDB are same people. Not red herring (warning) sign to you?

some board member of CIMB and 1MDB are from a same family some more

No issue up to end of May. I do not monitor time of the xfer.

They are still better than HL. I have one FD matured on Sat. But they did not show up in my acct until Sunday !

For me, BR wise, monthly interest crediting is satisfactory or great !

Mine has a problem so far...
I just called BR, they said would fix it...

BR staff said they have this FD promotion:
1 year at 4.25%
25K minimum

This post has been edited by BoomChaCha: Jun 1 2015, 11:43 AM

Worst case I need to visit PIDM

BR new promo was reported on 26/5. See post below. From 1st to end of June with monthly interest.

Someone in BR must have missed you and wanted you to contact them.

You are really making use of ATM to withdraw from BR, 3 times in one day ?

This post has been edited by bbgoat: Jun 1 2015, 12:04 PM

hi, wanna to ask PB FD monthly auto-renewal, any1 did that b4? any specific thing 2 do or i can do it via e-banking?

which bank/promo have you decided based on your criteria?

Affin bank. 4.33% 15 months. Rm10k fresh funds. No stupid CASA. Just normal SA so that they can deposit interest + principal upon maturity.

Concur

It's worth keeping a CASA with Affin since they've been consistently introducing competitive FD rates.

Also their 12 month FD board rate is the highest among PIDM banks.

BR told me interest will pay when the FD matured, how you get monthly interest?

Hi guys, let say I have a fresh fund for rm100k for FD for 1 year, what is my best option?

i will place 30k into 3 months HSBC 5% FD, 20k for 6 mths RHB 7.8% asnb bundle, the rest into 1year CIMB 4.2% FD.
dont forget to apply for HSBC advance and CIMB prime, freebies awaiting.

Guys,i have around 25k in hand now. Where shud i put?looking for the short period fd or best option u guys can give..kinda blur now..

I'm not quite understand about the 3 month,6 month,9 month,12 month period. If i put the money for 3 months,what about the 6 months?shud i put new fresh fund or continuesly from the existing fund?

This post has been edited by M3L7991: Jun 2 2015, 12:23 AM

Sorry for the confusion. for Ocbc i always IBG out matured FD and place a new FD with some top up using personal cheque. The similar approach you did at UOB. UOB later allowed you to top up instead of Rentas out. My Ocbc RM should have allowed me to top up too on the matured FD.

Bottomline I am trying to say UOB is more understanding and customer friendly.