You and Ah Boom can shake hand. His also a chai. Not sure same chai or not. Ha ha ha !

In AmBank just now. Told the ABM SCB promo. She (a lui but no leng lui ) told me they are going to have a new FD promo of 9 mths at 4.08%. She will SMS me once it is formally announced.

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.

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.

Yes.

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

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.

Not true, please see below explanation.

OK, reporting on this SCB promo:

Met the SCB leng lui. As mentioned before, the FD promo is for new & existing customer. But if using "old" fund (matured FD), need to deposit 10% into CASA and hold, as shown in the leaflet.

Placed FD with new fund for 15 mths at 4.5% !! It is a conventional FD. Need to open JustOne acct (I used my old JustOne acct). No need to put RM1500 in JustOne. As mentioned last year, placing of RM1500 is to enjoy certain benefits of JustOne. JustOne can have ZERO sum there just for depositing of interest.

However CANNOT split into multiple FD for this promo. Also one time placement only !! Meaning next working day you cannot place another FD to get this promo rate. BUT was told can get KL approval.

It is a new promo. First customer for the leng lui on this promo. She even asked me how did I get to know this promo. Thanks for the info given on this promo by McFD2R.

There are 3 sheets of T & C. So I asked some questions which the leng lui need to call even KL for the answer (one time placement).

Went to their PB office to sign up for PB. Saw 2 more leng lui there. The future RM told me if I need to place some more FD for the 4.5% rate, call him 2 days before hand so he can get KL approval for me. Well, this time is a leng chai. Ha ha !

This post has been edited by bbgoat: Jan 23 2015, 08:24 PM

Since Jan 2014, no more issuing banker's cheque. only IBG to other banks or cash maybe.

This post has been edited by bbgoat: Jan 24 2015, 08:54 AM

They claimed that they are NOT allowed to issue banker's cheque. End of story.

This has been discussed last year. That is the main point that made people dislike with them starting 2014. Troublesome and lose 1 day interest of moving to another bank (unless you do IBG very early in the morning).

Also can IBG to bank which you have CA and issue cheque yourself.

This post has been edited by bbgoat: Jan 24 2015, 02:13 PM

Ha ha, our Top Flo hiding somewhere. So can still talk of eye candy. Hehe.

They claimed that BN does not allow to give "expensive" gifts away (told them some bank used to give imported Swiss watch). Have umbrella or some other lower value items. But did not get it as they say run out of items and invited me to go again next week when their financial team will talk to me. They will send welcome pack to my house.

Their PB centre, like UOB Pg, kind of small. CB PB is bigger and more spacious. RM also lesser in number.

OK,

This post has been edited by bbgoat: Jan 24 2015, 02:44 PM

Did you ask if you want to do another placement for the 4.5%, that need their boss approval ?

One name will do.

This post has been edited by bbgoat: Jan 25 2015, 04:45 PM

Best rate IMHO is SCB 15 mth 4.5% at the moment. Anyone else go for it ?

Will be calling the RM by Friday for second placement next week.

Like what I said last Friday, cannot split into multiple cert and one time placement only. Need their boss or HQ approval to waive.

This post has been edited by bbgoat: Jan 27 2015, 05:05 PM

UOB FD promo, but better confirm first if still available:

Christmas FD Promo extended until 31 January - Minimum Fresh Fund RM50K.
12 Months -4.2%

Checked the T & C, 12.3, if premature withdrawal, no interest for the bonus interest. The bonus interest is 1.25% of the 4.5% for 15 mth FD. 1.10% of 4.25% for 9 mth FD.

This post has been edited by bbgoat: Jan 27 2015, 05:46 PM

Have the hard copy, but need to do scanning, some scanner problem. Need to fix it.

I think other than the so called bonus interest, for premature withdrawal, they should pay some std rate which I am not clear about. SO far, never do any premature withdrawal before.

This post has been edited by bbgoat: Jan 27 2015, 05:56 PM

Boss , my phone's camera not that good. Was thinking of scanning to get better/clearer T & C. Anyway please see attached.


Attached thumbnail(s)

Thats why the RM said need to get approval for subsequent placement to get the 4.5% FD. So need to call them this Friday for next week placement.

The 10% of FD in JustOne is for busuk fund, if you still remember it last week. No need RM1500 to open JustOne. Zero down like what myself and Ah Boom has done last year. So old customer use new funds to get the 4.5% 15 mths.

Have to sign the T & C. I don't see any issue there.


Hey Big Magician, are you sure you used the right word "fag" ??!! "fag" is offensive !!

This post has been edited by bbgoat: Jan 27 2015, 11:07 PM

Please check back my reply as I edited it after your post.


Thats why the RM said need to get approval for subsequent placement to get the 4.5% FD. So need to call them this Friday for next week placement.

The 10% of FD in JustOne is for busuk fund, if you still remember it last week. No need RM1500 to open JustOne. Zero down like what myself and Ah Boom has done last year. So old customer use new funds to get the 4.5% 15 mths.

Have to sign the T & C. I don't see any issue there.

This post has been edited by bbgoat: Jan 27 2015, 11:10 PM