Yes, PBB will print out the FD cert and you have to collect it from the branch. But once I collected the certs about 2 months later as I was overseas. 

You mean most local banks also ? 

Why online rate is always so suckish compared to over
The counter one ??

Online best online rate i ever seen is from Mach hong leong bank..

So sifu, for the 2 banks, just need ic can withdraw FD already ? No need the FD cert ? 

It doesn't matter whether OPR will up or down as long as Investors 'Lock-In' d int rate during promotion

You mean the maximum cash deposit allowed for placing FD is RM 30K in UOB..?

Last time I deposited cash RM 90K to HSBC for FD, HSBC asked me the source of
this cash, then I showed them the SCB cash withdrawal slip.
If a person pass away without a will, then don't make condolence advertisement in newspaper.
Banks won't know when a person is dead, so can just wait for the FD to become mature (provided the FD is joint name with either one to sign), then withdraw quietly.
The best way is to prepare a will, we will never know what will happen to us tomorrow...

My experience of opening accts in local and foreign banks, OCBC seems to take the longest time.  The only consolation is facing the leng lui RM.    But she assured me from then on, the time taken will be much shorter. 

Oh.. I think it depends on how does a person dies.

Let's say if a robber dies under the police gun fire, then this case will need a police report
& doctor anatomy report for the Births & Deaths Registration department to issue a death certificate.

If a person dies in a hospital because of sickness, then the doctor will write a report
for the Births & Deaths RegistrationBirths & Deaths Registration department to issue a death certificate.

No, banks do not have any online network to link to the police department yet..
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.. 

Seems like OCBC is back to 4.2% for 12 mths and 4% for 6 mths.  Just got whatsapp message from leng lui.

there has been speculation bnm will cut rates soon, part reason for weak rm.

this looks like squashed for now, unlikely rate cut on may 7, rm strengthened.

that was march. post apr gst, we hv yet to see...

Me: Saya tengaok 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

Not all branch will ask on source of money.

Thanks for your reply.

Scenario 1:
Anyone has experience before? If I cash out, do I need to wait 1 day or 1 month to join the campaign? Or depend luck?

Yup that is what I meant. Say move to affin 4.38.  If I am not mistaken the ocbc was 3.9% right?

Bag/air filter definitely worth more than the interest given.

By moving to say affin or uob,  one can get the best world. Bag/air filter + high interest. 

Am I right here? Correct me if I am wrong

Yes, 4.2% for 12 months is available:
http://www.ocbc.com.my/assets/pdf/Accounts...eal_general.pdf

To call OCBC Personal Banking Hotline:
1300 88 5000 (8am - 10pm) 

Does this OCBC 4.2% for 12 months is just pure FD or involve CASA. Try to call their hotline but cannot get the answer required. They are like blur blur....

UOB at one time, 2/3 years ago charged me RM9 for RENTAS, now not sure. IBG after 12 noon will be:

11.01am - 2.00pm  By 8.20pm 
2.01pm - 5.00pm  By 11.00pm

Scroll down to see the xfer timing:
http://www.cimbclicks.com.my/transfer-funds.html

The IBG schedule was revised late last year.  I also learned about it from one forummer here. 

So you went to the PB centre ? Still trying to spot the leng lui yesomething ay and today ? 

Good that OCBC add on the 1st 6 months interest to the principal FD amt for next 6 months.