RHB FD Promo

[attachmentid=4394817]
Alliance Bank FD promo , valid until end of April
4.2% with *monthly interest for 12 months
Min RM 30K

*Must be over 40 to entitle for monthly interest 

Oh Really..?  Can you take her picture to show us..?
How old is she..? Her height?

Yesterday, SCB help-line said would get my RM to call me, then no news.
Today, SCB help-line said would get the Service Relationship Manager to call me, then no
news also..

Ah Sir, you said you received your interest from your 3 FDs, you placed these 3 FDs after
22 September 2014?

And your only FD that has not received interest is 19 Sept 2014, right?

Can yon invite her out..? 

But do not understand why Gary did not get his interest since he placed his FD
on 23 Sept 2014..? 

You said the same thing when you met your wife during the first time.. 

I am thinking to place FD in Alliance Bank... 
Alliance Bank is nice, because they did not charge me RM 10 for not using my saving account
for slightly more than a year.

Maybe you are right..
Are you having an Alliance Bank platinum credit card? Or debit card..?..

How about SCB Islamic 4.5% for 15 months?
It is still available until this month end..

So.. Ah Goat Sir, the "cut off" date on 25 Sept 2015 is no correct since Guy3288 
placed his FD on 8 October 2014..

When I met the Operation Manager last week, he said this could be the SCB system error
because this is the first time he sees SCB offers 15 months FD since he has been working
for SCB for 11 years..

can apply ASM ah?

Oh..you are right..I was not aware of this until you pointed it out..
Ah Guy, Let's wait until 8 April and see...
I would say a Lao Kiap bank with a Kwai Lun Operation Manager & realistic RMs

Today just got another call from customer service, this time she acted dumb & said I got my interest already today.
But that is for another FD which was placed on 2 Oct 14.

So she said will revert in the next 30 mins, let's see.

Conclusion, between 19-23 Sep 14, SCB system may have been down so no interest 
You must insist, the interest paid every 6 months is for ANY FD longer than 12 months.
My useless RM so adamant, that's why I turned to Customer Service. Customer Service also say maybe upon maturity only I said please check & confirm.

So if I don't have an asnb a/c, I can't take up the RHB's 6 mth 7.8% offer?

You mean if can get rm10k ASM/AS1M/ASW2020,then can put rm10k in 7.8% FD? I thought the ASNB funds are those with sales charge.

Does the bundle promo includes fixed-price funds like AS1M, ASW & ASM?

haha, nice name, wouldn't mind having it

Funny thing, my case is different. I keep getting routed back to my RM! Apparently the customer service called her up & scolded her saying how can she not check the docs on the spot, keep the customer waiting for so many days etc etc..
That was why she sounded quite pissed off when she asked me why I did not wait for her answer    But I did not have the chance to say
"Actually you closed my case that day by saying option 3 = interest credited upon maturity"

Anyway, now another story, she said 15 months FD only get interest after 1 year but I said mine is 18 months & see I got interest for my other FD today with the same option! Similar to the other day, she said her colleague may have put in the option to get interest after 1 year & very difficult to change (not sure to believe or not). So she asked me if worst case, would I accept it? So I said, what choice do I have?

Customer service told me there has been quite a lot of VSS from this Uptown branch & they too can't do much investigation as the documents are at the branch level. Maybe that is why the staff morale is so low, they are so desperate to sell unit trust & I think my RM has already been changed once in less than 6 months.

OK thanks, but I think bundle promo on funds which have SC.

Thanks for your RHB FD. My FD will be matured next few weeks and it is very convenient to walk over to RHB. Ocbc has many RM but I could not find the leng lui you mentioned....may be wrong timing

Yes, Ah Goat Sir, I placed my FD with RHB in this afternoon.
Interest will deposit to my RHB saving account per step-up maturity.
And RHB FD can be withdrawn per step-up maturity.

BoomChaCha and bbgoat
I checked yesterday while updating my Fixed Deposit Page at my blog, OCBC website stated Fresh Fund Deal Effective 1st April:

6 Months - 3.8%
12 Months - 4%

Can refer link cybpsych provided above to OCBC website for T&C.

Ah Goat Sir,
UOB got monthly interest crediting meh..?

Actually I was thinking to place FD in Alliance Bank for 1 year at 4.2 with monthly interest.
But suddenly found out that RHB FD at 4.21 for 1 year can be uplifted per step-up maturity,
so I changed my mind to put in RHB.

Whatever it is, is SCB's fault. I remember when I started going to SCB again around Sep 2014 after about a year,  I almost didn't recognise anyone in the normal banking hall.

I can see everyone's instant move away from SCB now though the nearest promo is 0.29% (RHB 4.21%) difference which is quite a lot.

Where can compare SCB to UOB. UOB is a class above.

UOB service is the best. Freshly brewed coffee and biscuits served by tea-lady and bought to you wherever you are. As some of you are aware, my daily attire is like a VCD seller, wear t-shirt with jeans with sling bag and slippers. Last week while I was about to enter my UOB branch, the security guard actually opened the door for me to enter! I tell you, it's not part of his scope of works that's for sure and it was the first time I saw him.

The moment I walk into the UOB PB centre, someone is sure to ask me how they can be of assistance. SCB, you enter the PB Centre, stand there 1 hour also nobody cares, hahaha.

SCB, you got RM1M to deposit and ask them for special rate (when there is no promo) also not bothered to entertain you.

Being a "Singapore" Bank, UOB is kiasu to the max and as such everything is well planned and executed to the dot. The moment you place a FD with UOB, their system immediately works out when and how much interest is due to you. If you got many FD with them, ask them to print all your FD details, and you will get a statement showing all your FDs with the relevant information, i.e. tenure, interest rate, maturity date (public holiday, Saturdays and Sundays all taken into account) and the amount of interest to be paid.

And I tell you, UOB's communication between their RMs and HQ (Bosses) is really fast. You request for something, within less than an hour sure you get a response - yes, no or counter offer by HQ (well at least from my experience).

Must be a very goat year for brother goat...PB members OCBC, UOB...many many more..    

Bro, next time your UOB RM ask you buy UT, tell her you want them to sent limo to pick you up 

As for leng lui at OCBC, what is the use? You only attracted to high interest rates FD Promos (e.g. BR) to earn more money for relaxation with China Do.., oops almost pecah lubang 

Bro, you many class above me, wear suit, tie and shoes, sure people hormat. Me wear slippers and dressed like VCD seller, so when people give respect I will be in shocked!