lol our local banks don't like US citizen/PR kah?

In BR today to uplift FD. Heard that they have one promo for 2 years 4.4% min 10k. But must be FRESH fund. FD renewal not entitled to the 4.4%.

Also some gold plated stuff, please see attached document.

They are preparing to send out hampers this year. But do not have high hope for it as last 2 years hampers in Penang are of low value. Still better than no FREE hamper.

This post has been edited by bbgoat: Feb 10 2015, 08:35 PM


Attached File(s)
 BR_Offer_Feb_2015.pdf ( 2.06mb ) Number of downloads: 105

This morning I confirmed with SCB leng lui that the 15 mth 4.5% FD is over. But at 10.04pm she sent me an SMS saying the 4.5% FD is available but it is an Islamic FD.

For those interested can call SCB branch to check out further.

I am putting my FD to CB 1 month 9.18% which is CB promotion for UT bundled with FD.

This post has been edited by bbgoat: Feb 10 2015, 10:50 PM

If you are a US citizen, most banks do not want your business as more paper work for them, haha

Most Banks Senior FD pays interest monthly. If you have a child. then you may want to consider Hong Leong Bank currently having Junior FD Promo at 4.28% but for 24 months.

Click here to read my article title The Best Savings Accounts in Malaysia where I touched on HLB Junior FD. Also click here to my FD Page where I would comment on HLB Junior FD when they have a promo.

I posted Maybank's Ang Pow at my Facebook Page back in 14 January 2015

However, I only collected Maybank Premier Wealth Banking Ang Pow on 9th Febraury 2015.

As for RHB, I got them early last week after I returned from Melbourne.

Yes, I agree RHB Ang Pow really nice and can be used for any occasion. Click the link below to see my Ang Pow collection which includes RHB Premier Banking. Alliance Bank cute and appropriate for young kids.

As for the CIMB kind of white packet (light pinkish but it can be also off white) you posted, don't they know white packet are used for funerals!!!



Click here to see the 2015 Ang Pows I collected from Alliance Bank (Privilege Banking too), CitiGold, Hong Leong Bank (Priority Banking too), Maybank (Premier Wealth Banking too), OCBC, RHB (Premier Banking too) and UOB (Privilege Banking too).

This post has been edited by Gen-X: Feb 11 2015, 03:40 AM

Ambank also has such FD bundle w UT where 3mths FD 11% or 6mths FD 7%, who dare

This post has been edited by kykit: Feb 11 2015, 08:52 AM

Normally I would NOT go for this type of FD/UT bundle. It is just a balance of my UT portfolio which I have not touched for 2/3 years. With that CB said I can have this 1 mth FD of 9.18% with similar amount to the UT that I switched.
As I need some short term FD placement for some use later, so it is just nice for me.

Other than that, I would NOT go for this type of FD/UT bundle.

This post has been edited by bbgoat: Feb 11 2015, 09:23 AM

if not mistaken i think thats is required under the Foreign Accounts Tax Compliance Act (FATCA)

u r right. I did sign it when open a/c w HLB.

Is because of FATCA rule

CIMB website says 3 type of FD enjoys 4.2% pa for 12 months:
1) Unfixed Deposit
2) FRIA-i Maturity Returns
3) FRIA-i Monthly Returns

After reading all three links, I can't find any differences between them.

Which is the better choice?


Thank you.

This post has been edited by nitehawk: Feb 11 2015, 10:55 AM

I can't find the promo advertisement in HSBC website. Can you give the link, please?

If I am new customer, does it mean I will have to open 2 accounts:
1) Advance Account - min 5k max 30k
2) Time Deposit - any amount to enjoy 5%

Is this assumption correct?

This post has been edited by nitehawk: Feb 11 2015, 11:32 AM

More details on BR 4.5%?

Just their 5 yrs 4.5%. But with high amount, can nego with them.

anyone placed the hong leong 6 mths 4.0% pa? i read at BCC post #2 at the hong leong open branch promo there

yeah, CIMB I am not using, colour too light. RHB is still the best this year. Just got some AMBG. Nothing to shout about though.


Attached thumbnail(s)

Bro, the AMBank Ang Pow you posted above is not too bad.

I just got OCBC Premier Banking from my RM's Boss, i.e. Area Manager, as my RM once again not around. So updated my article on Chinese New Year 2015 Red Packets to include the OCBC Premier Banking Ang Pow and I can't conclude if the design looks like a chicken or goat, hahaha

Also just updated Post#1 and my Fixed Deposit Promotion Page.

This post has been edited by Gen-X: Feb 11 2015, 01:17 PM

OCBC can be used for both Chicken & Goat year la, good lor. , jokes aside, actually looks like GOAT la

A question, my grandmother placed her FD with RHB promotion (9month) in December 2014. She needed some money now, will she be able to withdraw from it? Thanks

As with any FD, one can withdraw the FD anytime but there will be a penalty - i.e. no interest (some FD Promo do not pay interest if withdraw before 3 months) or lower interest rate.

To ALL:

Early this month while I was in Melbourne, my wife got a letter from Bankwest informing their new T&C for Term Deposit. It stated that she has to give 1 month notice if she wants to withdraw her Term Deposit! And so happened at the same time her Bankwest TD (promo 7 Months at 3.8%) matured and was auto renewed at board rate below 3% (she returned to Melbourne two days after the maturity date). So we went to Bankwest branch the day she flew back (I was there 2 days earlier) and guess what, she could withdraw the renewed TD on the spot (no need to give 1 month notice) and could use the same fund to be eligible for Bankwest 6 months TD promo at 3.5%. But she decided against going with the TD Promo but instead transferred the fund into her HERO Savings Account which is paying 4% interest credited monthly. If you want to know more about Australia Savings and Term Deposit, click here to my article The Best Savings Account in Australia.

As for me, I have CitiGold Australia, my RM will call me and ask for my instructions when any of my Term Deposit matures; and as such, I can be anywhere on earth on the day my TDs mature

This post has been edited by Gen-X: Feb 11 2015, 02:23 PM