HL statement based, RHB statement based..

Yes.....I am not sifu, just a small potato here....this is what I did to withdraw....just in case policy change, last week I confirmed with RHB again and counter staff said yes.

The best is UOB, just need IC and can perform the withdrawal and renewal at any UOB branch...even if it is a joint account FD (with anyone to sign type)

Most of the time it works that way however if bank such as Public bank specifies clearly that the future interest rate may be up or down pending on OPR then public bank has the right to change the rates in their step up promotions in future. Gen-X has cautioned this many times in various posts.

This is something new as in the past all banks locked in the rate even for 5 years tenure. Public bank came up with a new modified step up products to protect customer and of course, their own bank.

Din know they will question source of fund for fd.
Never encounter b4.
Place fd at rhb, hlb, affin, ocbc and ambank.

But every time is issue cheque.. maybe that's the reason?
Hmm...

Icic.. next visit I'm gonna ask them why no question me.. Lol. .
later they might say, your amt is insignificant to have doubt.. haha.

But lately bank at my town, I did notice withdrawal otc getting strict.
Last time no nd check ic, now even in person withdrawal also nd to check.

Although a bit troublesome, I'm agree with this extra verification step.

You mean xcxa23 is so leng chai that banks will not ask him the source of fund lah..  

By the way, I still have not received my SCB interest..  

I just published an eBook written with the intention to benefit both Fixed Deposit Fans and Users of Credit Cards. The story revolves around a typical middle class family where the father is a smart and “kiasu” man who wished to deceive “his good for spending his money son”.

This latest production of mine will not only allow you to enter my sick imagination, but by reading this magnificent soon to be best seller Fiction Novel, it will have a lasting impression on the way you think and will change your life forever, regardless of what stage in life you are currently at.

Earn FREE Gold Bars with Credit Cards

And of course you are to practice critical reading and not to skim through text and also never believe 100% what is posted on the internet.
Bro, my latest Fiction Novel ebook also touched on the matter you described above.

Oh Captain.. since the release of your latest Fiction Novel ebook, then banks will act faster to request to link to the Births & Deaths Registration department.. 

any bank offer online FD services?

@bbgoat,

I saw the first page updated ambank 3 mths 3.93% by you, any further details on this? min fund required? other T&C?

Good question. Need to go to Syariah Court to get the money? And as for beneficiary, maybe it should be beneficiaries??? 
Pretty good for 6 months. Added to post No.1. Thanks.

Cash only or Cheque also?

Deposited more than that into UOB FD, wasn't questioned about the source.

Was only questioned once at OCBC when i RENTAS from another bank, had to fill up form, just told them it was from another Bank.

HaHa, opening account was pretty strict since i didnt have introducer at that time. Took a long time also.

You can deposit any cash amount but for UOB case, once above 30k has to inform the source of fund.

You should be  coz with shorter time, no more eyetertainment

OCBC even photocopied my credit card from another bank, forgot why they did that.

No leng lui to see at that time, a guy handled my account, cause most of them inside PB, i opened account before joining PB.

I am not worried about 5 years FD because I do medical check-up at least once per year;
and I am driving slowly like 80-100Km on highway, and I make sure my car is equipped with
at least 2 air bags and ABS.. 

By the way, I have just received my SCB interest today.. 
In my SCB online banking saving account, SCB put "Value Date: 23/3/2015", so I think
SCB back date the FD interest in my saving account since 23/3/2015.

I think SCB is supposed to back date my FD interest since 19/3/2015 (FD was placed on
19 Sept 2014)..so it looks like SCB eats my 4 days interest..? 

If this is true, then it is good for people who placed 18 months FD with SCB..

Externally, with the possibility of US going to raise interest rate for the first time since 2006 (?), hot money will go into US. Internally GST will push up prices and the inflation rate will go up. My guess is in June BNM may raise the interest rate.

is SCB Saadiq (Islamic) 15 Months - 4.5% eligible for non-muslim, when is the promo ends?

Unfortunately, I am in the same situation as you, at Damansara Uptown branch.
Gone are those days where customer is always right.

I have done similar to what you did but I got the excuse that it has past the date so they cannot revert the interest to 6 months. The only consolation is that they will deposit interest after 12 months & I said what choice do I have?

Since BCC got the interest, I am thinking of pursuing my case then!
Problem is I do not want to visit that bank as hard to find parking & have to wait long for their bad service.

Today I went to UOB to put some FD. The officer asked me why I want to put FD when there are better investment tools. I told her that her colleague promoted to me before but she continue explaining. I was assaulted  with one insurance product which I patiently listen to (but had no intention to buy  ) then said I will think about it. She continue for quite a bit but I politely insisted that I will think about it.

Finally, I managed to get to my FD transaction but was told that my cheque was banked in last week so it is not fresh fund anymore. I showed by "surprised" face (although I was not surprise  ) and told that if that is the case, I want to withdraw all to put in other bank's FD. She then talked about better rates in UOB and I had to mention the rates in other banks. She paused and then told me that she will enquire whether I can get fresh fund rates. Asked to me sign the form first because most probably can. After a few seconds away from the counter (yes, a few seconds!!!) she came back and said I can get fresh fund rates.

So I left UOB happy, with 4.2% 1 year FD rate from my stale fund...... 

Not too sure why I could get the rate.... maybe it is because she is going to call me tomorrow to ask about my decision on the product..... 

then u support them by getting a credit card from them lor..

since now no GST also..

Me: Saya mahu rayuan

MBPJ officer: Boleh, tapi kecuali you adalah OKU atau student, baru boleh dapat RM 90 diskaun lah

Me: Senior Citizen boleh?

MBPJ officer (smiled): Senior Citizen tak boleh lah.. Uncle. Kalau you mahu complain, you boleh naik taxi ke MBPJ HQ di Petaling Jaya, pergi RM 70 dan balik ke sini lagi RM 70, dan ini tidak jamin you akan dapat rayuan..

Me: Saya tengok you ada MBPJ pajero di sini, you hantar saya ke MBPJ HQ, dan hantar saya balik ke sini, boleh..?

MBPJ officer: Tak boleh lah.. Saya tak ada kunci, saya guli sahaja..

------------------------

So I lost RM 307.00 just to place my FD with SCB in Damansara Uptown... 
Next time I will never go to Damansara Uptown anymore...

Ah Goat Sir.. I placed my 2nd SCB FD on 3 April 2015 in Damansara Uptown, I was expecting
my 1st FD interest (placed on 19 Sept 2014) on 19 April 2015..

I think your interest is correct ---> value date 19/3/2015

I got my interest value date 23/3/2015 (suppose to be like yours, 19/3/2015), so SCB paid me
back RM 9.43

 
Let's wait until the 1st of May to see if any back date interest will credit to
saving account or not..?

I calculated and I guess RM 9.43 is the 9 days interest for my saving account..
What do you mean..?

I received my FD interest correctly based on 6 month interest.

I guess this RM 9.43 is the back date 9 days SA interest for the FD interest in between
23 March to 31 March. (But I placed my FD on 19 Sept 2014)

My Value Date shown on my SCB Online Banking is 23/3/2015, so I guess this RM 9.43 interest
is 9 days saving account interest (1%).

I remember my Service Manager promised me to chase for the SA interest..