Didn't ask about the early withdrawal, but they only issue 1 cert. for lump sum, can't split into multiple certs.

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

Something like MBB CNY Promo FD until 31-Jan, 12 months tenure, it's split into:
1st 3 months 3.38%
3 months 3.58%
4 months 3.78%
11th month 5.28%
12th month 8.28%

With effective rate of 4.13%

yeah just went maybank and ask about it
guess ill stick with uob 4.10

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%

nexona88 yes you're right but I suggest to all of you - please go and ask for yourselves, don't take my fren's word for it ... if that's the deal, then that's the deal & you enter into it with eyes open & fully aware. dun cry if you have to do premature withdrawal. It's still the best deal in town at the mo


re maybank deal... has been reported earlier. those big numbers 8.xx% only meant to trap aunties and uncles one! hehe open eye big big to see & open mouth big big to ask b4 waste petrol go to bank hahaha

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

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

that sounds good so can get 3.25% (ie 4.5%-1.25%) or 1.625% (ie half) for the 15m if premature? Did they give you hardcopy of the T&C? can share pls?

This post has been edited by okuribito: Jan 27 2015, 05:54 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

chehhhh, just take smartphone snap only la

This post has been edited by okuribito: 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)

thank you sir! that's very legible! haha they do not talk about how much interest payable if premature (other than no bonus interest) - i suppose it's whatever applies to non-campaign fd then. 12.2 also a bit dicey wor... do let us know if your next/2nd cert says 4.5% as well

btw... clause 5.2 & 6.2 talk about 10% of FD earmarked in Justone account for the term of the FD wor??? but my fren was told just put in 1500 to open JO acct but can withdraw same day

haihhhhh ... I guess as long as they don't make us sign against their secretive T&C - if they do, I'll just put into PBB, so much more transparent

This post has been edited by okuribito: Jan 27 2015, 09:36 PM

Rich fag all are miser. Never buy anything expensive.

Ocbc 12 months 4.5% end 31 Jan

today 27th ... till this saturday? straight fd, no funnies?

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

deleted double post

This post has been edited by okuribito: Jan 27 2015, 11:08 PM

Ahhhhhhhhh now i see... Eligible Existing Customer .. ok ok & thanks ... light gonna turn green soon

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

loud & clear ... thx