QUOTE(tbheng @ Feb 2 2015, 04:19 PM)
Went to AmBank branch at PJ to put some more 3yr 4.5% FD... Alas, it was just ended 2 days back!
My fault for not realizing the end date. Lucky the queue was fast.
Preferred AmBank for its half yearly interest and locking in for longer term as the OPR outlook is not going up...
No choice to resort back to SCB 15mth 4.5% FD. Waited for > 1hr to be served.

They say "Sorry sir, today holidays, more people!"
When served... another drama starts... "Sir, HQ not working today, BNM not open today, can't process your cheque to place FD!"
I could only pre-signed the FD form, the branch will process my FD only on Wednesday.
I requested and they will ask HQ approval on : Backdate FD to start from today; split to multiple certs and uplift to JOC upon maturity.
They will then send me the FD certs. JOC opened without deposits.
Lucky it is my personal cheque and not banker's cheque... I will transfer the money back to my SA to get 2 days interest@2.45% first.
If HQ agree to start my FD from today, I untung 2 days interest. Haha.

UPDATE:
SCB leng lui called and processed my 15mth 4.5% FD yesterday.
Managed to get the FD started on 2nd Feb (as shown on online banking).
I made 2 days (2-3 Feb) extra interest as I put the fund in my mbb saver acct with 2.45%.
And with "Renewal Instructions: (3) Credit principal and interest to same currency account number."
Save my visit and the cost of banker's cheque when uplifting.
I have been requesting for this for most of my recent FDs instead of let them auto-renew at board rate.
At least I still get some interest in my CASA if I could not visit the branch to uplift on maturity date. Or save my effort to "fight" for interest if maturity fall on non-banking day.
This post has been edited by tbheng: Feb 5 2015, 07:40 AM