No lah..... I think my calculation should be wrong..

As long as I can receive the 6 months interest.. I am happy already..

Gary still does not receive his interest, so SCB is still in the middle of crediting
interest manually to depositor accounts.

This is true not to put too many eggs in one basket.. 
For example, I already put in RHB at 4.21% intead of SCB at 4.5% Islamic ma..

Ah Sir, but this time I want to shoot to the maximum now..

I missed the Am Bank 4.5% for 3 years.. 

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...

3yrs+3yrs+3yrs?

Means lock in period must be min 3yrs to entitle 4.15% pa?

I was thinking to place FD in Alliance Bank, now I change my
mind to place FD with SCB Saadiq (Islamic) 15 Months - 4.5%..
obviously a better deal..No pain no gain lah...  
I will place SCB Islamic in two days later..

Yes, only 3 months..unfortunately  
If you want to place more than RM 30K, you can find your relative(s)
to open joint account with you, for example:
(1) You, under your single name -- one account for first RM 30K
(2) Under you and your wife joint account -- one more account for second RM 30K
(3) Under your wife single name -- another FD account for 3rd RM 30K .. and etc..

So, you can place total RM 90K under 3 accounts at a time.. 

SCB Saadiq (Islamic) 15 Months - 4.5%

vs

HSBC 5% for 3 Months FD has extended to 30 June 2015

clear choice isn't it?

Hah..    C D & gf & unties?  What did they say..?

If you can open 5 HSBC account with rm30k, it is = to 15 months Account rm150K at 5%

Penang always get the good stuff  

BR is ok but SCB is nothing but trouble. Went to Uptown branch to give them one last try & still disappointed.
Their priority banking is so bad, no customer & no RM at all but I saw a queue number left there where the number didn't change at all for 30 mins!

I lodged a complaint again saying I will go to BNM if they don't give me my 6 months interest.

I met a BR officer looking for someone's house & he told me that BNM new rule is if phone number of account holder is not contactable, they need to look for the person at his/her house to update / verify.

Scenario 2:
Seems like the only way is to bring cash. Wondering those requires RM30K fresh fund, do people really bring cash to bank?

got my trolley before the long break 
[attachmentid=4432043]

My personal experience
UOB
Took out as cash and went for lunch.  My friend said why dont you place it back and may be bank will consider fresh fund. Tried and counter staff took it as fresh. Different counter staff

Took out as cash and add on some cash and the counter staff took it as fresh. My original intention was to place it with other bank.

Yup, was hoping it is for FD

Found out that in UOB, it is possible to do partial upliftment (losing interest for the uplifted amount) even if the FD is in a single statement.

Haha yeah. I wanted to split into 4 certs so that's why the lady informed me about this. End up, I still split into 2. Easier to keep track of whose money belongs to who for joint accounts 

But lets say I bring 1 banker cheque sum of 50k, can we still split to multiple certs? or we will need to bring 2 cheques instead?

rentas is RM5.30. Counter staff said after 12 noon, if IBG the fund will only available the next day. Can anyone verify this? Thank you

Thanks for speedy rely.

For IBG, it is within the same day even it is after 12 noon.
I have overlooked another Ocbc  FD mature today. The bank staff did not remind me yesterday. Got to go again.

today IBG instead of Rentas...save some money, tq.

Ocbc has the following offer and seems nobody reported this, or i miss out?

first 6 months 4%,  second 6 months 4.4%. effective is slightly more than 4.2% because, the first 6 months interest is added on to the principal.

say principal is P,
after 6 months, it is P plus 6 months interest roll over with 4.4% interest