For "old" customer, it needs fresh fund. So old customer still eligible. As to the deposit requirement mentioned, that one is a bit doubtful. Last year I opened a JustOne acct as a requirement for the FD promo, no need a single cent there.

If the funds is busuk/ not fresh.

But I see from the picture that the condition need to earmark in saving account.

fresh funds it says no conditions maaaaaa

if existing funds maturing, the way i interpret it - you need to tambah 10% more non-busuk nasi into JustOne (JOC?) acct to qualify ... & because it's earmarked for the full fd term, the effective rate drops lorrrrr

hope can brain

I interpret the same way as you. As I intend to put in fresh fund (old FD Sept 2014) so have ignored the old (busuk ) fund requirement.

Like minded.

So which mean if i put in 10k fresh fund, the effective rate will still be 4.5% PA for 15 months?

Yes.

Surprisingly SCB FD promo minimum is just 5k. Unlike others from 10k to 50k or higher !

UOB allowed that

Ambank too, no limit as long as your thumbprint can be read

Looks like they have not learnt and still trying to deceive people. No minimum deposit required for Just One. The RM1500 condition is not stated at the flyer at all.

This post has been edited by Human Nature: Jan 22 2015, 04:35 PM

SCB promo valid at all branches incl Islamic (Saadiq) branches right?

Those rates are for existing customer.
The promo rates are for new customer without any existing account with SCB. The promo rates are only for 1st time when opening a new Just one account. If u go second time want to put in more FD, u can't get this rate anymore.

Just called my CIMB RM n she said these r special rates fo Preferred Customers with ONE MILLION RINGGIT Can u confirm if this is true? For my much, much smaller amount she could only offer 3.85% p.a for three months n 4.1% p.a for nine months.

For nine months SCB seems to be the best deal with a minimum deposit of RM5k. But not so keen on SCB as experience with their service not very good. Even the CS on their hotline was sub-par when I called them earlier today. Oh, I was told by the CS to go only to their conventional branches. He said promo is not for the Saadiq branches.

Well, I wish Affin can play catch- up with their competitors soon. I really like my branch service. Placed three months Islamic FD with them last week but after some haggling they could only give 3.77p.a. Since they could not match UOB's 3.85% for the same tenure, the BM offered some gift vouchers to make up for the slight shortfall. This, to me, is knowing how to do business.

Affin Islamic's special rates per annum - one month 3.48%; three months 3.75%; six months 3.82%; nine months 3.86%; 12 months 3.91%. And, of course, 24 months 4.3%. All these rates are for straight forward FD, no CASA requirement.

Now got headache thinking where to ' pindah ' my money to earn the most interest with good service. My CIMB RM is quite good but not as good as Affin. MBB n UOB service at my regular branch are just okay; if want better service have to go to their other branches personnel who,lol, are just ordinary rank and file staff. OCBC, HSBC n SCB - service not great at all.

hahaha I have one coming up next change

but ... that blardy 1500 initial deposit ... better check properly first the TnC. haihhhhhh I have to waste petrol to visit some blardy conventional branch to ask them. got one saadiq branch near me but they say the saadiq branches cannot

btw, what's SCB's policies on weekend and cost of banker cheque? hhahaha me a bit lazy to dig GenX's blog... spoonfeed pls?

boss, you sure ka? gotta open JustOne acct?

the trouble with these banks horr damn blardy clandestine ... why can't then spell out clearly on their website?? make pple waste petrol only

OK so no 4.5% for me already open sa earlier, thank you fund stay in sg then.

RM means what?

Relationship Manager

Talked to SCB leng lui again. Current customer still eligible for the promo. As the brochure shown earlier said, fresh fund needed. Going to SCB this morning to place the 4.5% FD.

Special rate for today? OR promotion for certain period?