Fixed Deposit Rates In Malaysia V. No.8, Please Read Post#1 and #2
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 Feb 23 2015, 05:38 PM
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Elite
14,576 posts Joined: May 2006 From: Sarawak   
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QUOTE(Momo14 @ Feb 23 2015, 05:15 PM) how much need to put the FD for umbrella? need to ask the banker then they only give you?  QUOTE(Bonescythe @ Feb 23 2015, 05:33 PM) Now i feel my bank so lousy.. u all talk umbrella, hamper, chicken essence, diary and so on.. mine ntg.. Umbrella is for everybody la..... I don't have any special accounts.....  
More info here (3rd advertisement) : http://www.ambank.com.my/eng/promotions |
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Feb 23 2015, 05:41 PM
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Senior Member
28,187 posts Joined: Mar 2007 From: Underworld
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I need to kannnnn Hong leong bank already.. apa pun tarak
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Feb 23 2015, 06:36 PM
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Senior Member
860 posts Joined: Jan 2003 From: Petaling Jaya
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QUOTE(Bonescythe @ Feb 23 2015, 05:31 PM) Ok la.. not bad ad... Maybe Ambank attract those age group because I am sure there are many 3x who can be PB customers looking at the stuff they buy mostly 4x 5x and above one..  QUOTE(Bonescythe @ Feb 23 2015, 05:41 PM) I need to kannnnn Hong leong bank already.. apa pun tarak In my personal opinion, I try as much as possible to avoid Hong Leong & Public Bank as they seem like a Chinaman bank to me, which means stingy  I can still remember 10 years ago Public Bank savings account almost 0% interest when other banks still give some interest. This post has been edited by gchowyh: Feb 23 2015, 06:43 PM |
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Feb 23 2015, 06:38 PM
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All Stars
48,419 posts Joined: Sep 2014 From: REality
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QUOTE(gchowyh @ Feb 23 2015, 06:36 PM) In my personal opinion, I try as much as possible to avoid Hong Leong & Public Bank as they seem like a Chinaman bank to me try to get lowest operation cost & maximum profit |
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Feb 23 2015, 08:02 PM
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Senior Member
28,187 posts Joined: Mar 2007 From: Underworld
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QUOTE(gchowyh @ Feb 23 2015, 06:36 PM) Maybe Ambank attract those age group because I am sure there are many 3x who can be PB customers looking at the stuff they buy But looking at those other forumer reply.. seems like ocbc n hsbc punya PB more happening.. haha. In my personal opinion, I try as much as possible to avoid Hong Leong & Public Bank as they seem like a Chinaman bank to me, which means stingy I can still remember 10 years ago Public Bank savings account almost 0% interest when other banks still give some interest. |
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Feb 24 2015, 10:38 AM
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All Stars
14,990 posts Joined: Jan 2003
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QUOTE(gchowyh @ Feb 23 2015, 02:49 PM) HAPPY CHINESE NEW YEAR to all too! Weird right? Might as well have said this guy is a potential robbery/kidnap victim Wah, your BR branch so few 'Big' depositors a? Mind sharing which branch Essence of Chicken definitely much more $$ than a cup & umbrella Actually I should be more thick face & ask if got hampers or essence of chicken though even to get the cup & umbrella I must be in their selected list, must be their budget is low for that branch. Sometimes you would be surprised, last time my RM in Ambank kept commenting to her colleagues I am one of their youngest priority banking customer! (not that I am that young)  |
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Feb 24 2015, 03:36 PM
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Junior Member
376 posts Joined: Dec 2013
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EPF, EPF...
RM60k self contribution looks good if you use a cheque but it takes 7 working days to "clear"... If cash payment is made over the counter, there's a RM5K daily limit but the "clearance" is the next working day; similarly for maybank2u. I wonder if the RM5K cash daily limit can be sidestepped by paying RM5K cash OTC, RM5K through cimbclicks, another RM5K through maybank2u, another RM5K through citibank... on the same day...  This post has been edited by giko: Feb 24 2015, 03:37 PM |
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Feb 24 2015, 03:43 PM
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Senior Member
6,614 posts Joined: Mar 2011
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QUOTE(giko @ Feb 24 2015, 03:36 PM) EPF, EPF... I kena MBB EPF self contribution by cheque issue 2 years ago. They claimed max per payment is 5k per cheque and have to fill up 12 forms on a single day ! Then last year used PBB single cheque 60k, no issue. RM60k self contribution looks good if you use a cheque but it takes 7 working days to "clear"... If cash payment is made over the counter, there's a RM5K daily limit but the "clearance" is the next working day; similarly for maybank2u. I wonder if the RM5K cash daily limit can be sidestepped by paying RM5K cash OTC, RM5K through cimbclicks, another RM5K through maybank2u, another RM5K through citibank... on the same day...  This post has been edited by bbgoat: Feb 24 2015, 03:50 PM |
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Feb 24 2015, 04:33 PM
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All Stars
48,419 posts Joined: Sep 2014 From: REality
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QUOTE(giko @ Feb 24 2015, 03:36 PM) EPF, EPF... why don't u try & see how. RM60k self contribution looks good if you use a cheque but it takes 7 working days to "clear"... If cash payment is made over the counter, there's a RM5K daily limit but the "clearance" is the next working day; similarly for maybank2u. I wonder if the RM5K cash daily limit can be sidestepped by paying RM5K cash OTC, RM5K through cimbclicks, another RM5K through maybank2u, another RM5K through citibank... on the same day... if works, let's everyone here know about it  |
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Feb 24 2015, 04:35 PM
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Senior Member
1,055 posts Joined: Feb 2009 From: Selangor/Johor
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Hi guys.. what is the best fd rate for 3 months ? So far i knw is cimb,4%..
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Feb 24 2015, 04:52 PM
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Junior Member
76 posts Joined: Mar 2005
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QUOTE(giko @ Feb 24 2015, 03:36 PM) EPF, EPF... Just use Maybank2u. The transaction limit is RM5K each but there is no daily limit. Just repeat the transaction 12 times and you will have yr RM60K self contribution done on the same day, no need to go personally to EPF, no need to issue cheque and no GIRO fees either RM60k self contribution looks good if you use a cheque but it takes 7 working days to "clear"... If cash payment is made over the counter, there's a RM5K daily limit but the "clearance" is the next working day; similarly for maybank2u. I wonder if the RM5K cash daily limit can be sidestepped by paying RM5K cash OTC, RM5K through cimbclicks, another RM5K through maybank2u, another RM5K through citibank... on the same day...  |
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Feb 24 2015, 04:55 PM
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Junior Member
376 posts Joined: Dec 2013
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QUOTE(nexona88 @ Feb 24 2015, 04:33 PM) why don't u try & see how. I did but only through cash & m2u, & waiting to see the statement next week or so... if works, let's everyone here know about it QUOTE(diablo2 @ Feb 24 2015, 04:52 PM) Just use Maybank2u. The transaction limit is RM5K each but there is no daily limit. Just repeat the transaction 12 times and you will have yr RM60K self contribution done on the same day, no need to go personally to EPF, no need to issue cheque and no GIRO fees either will try this. TQ |
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Feb 24 2015, 05:28 PM
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Junior Member
765 posts Joined: Jun 2007
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can a FD only be uplifted from the branch you made it or you can walk in to a branch in another state and uplift it ? i got a FD in my hometown maybank which matured recently....but no time at all to go back
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Feb 24 2015, 05:40 PM
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Junior Member
636 posts Joined: Jul 2012
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QUOTE(culain99 @ Feb 24 2015, 05:28 PM) can a FD only be uplifted from the branch you made it or you can walk in to a branch in another state and uplift it ? i got a FD in my hometown maybank which matured recently....but no time at all to go back Some banks allow uplifting from another branch different from where the FD is opened with certain cap on FD amount. For Maybank unfortunately you can only uplift from the home branch. The other alternative is to write a letter to the branch manager to instruct them to uplift when FD matures in advance. |
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Feb 24 2015, 07:28 PM
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Senior Member
6,614 posts Joined: Mar 2011
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QUOTE(diablo2 @ Feb 24 2015, 04:52 PM) Just use Maybank2u. The transaction limit is RM5K each but there is no daily limit. Just repeat the transaction 12 times and you will have yr RM60K self contribution done on the same day, no need to go personally to EPF, no need to issue cheque and no GIRO fees either Instead of doing this 12 times in MBB, do it once in PBB. MBB claimed that each transaction max is 5k (when I used cheque). PBB wise no such limit. So if PBB is convenient for u, use PBB one time will do. |
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Feb 24 2015, 08:10 PM
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Senior Member
1,053 posts Joined: Jan 2015 
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QUOTE(king_lover23 @ Feb 24 2015, 04:35 PM) Hi guys.. what is the best fd rate for 3 months ? So far i knw is cimb,4%.. Serious? thats high, can be done thru online banking? or must walk in counter in order to get 4% interest? |
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Feb 24 2015, 08:11 PM
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Senior Member
1,053 posts Joined: Jan 2015
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QUOTE(culain99 @ Feb 24 2015, 05:28 PM) can a FD only be uplifted from the branch you made it or you can walk in to a branch in another state and uplift it ? i got a FD in my hometown maybank which matured recently....but no time at all to go back Yes same goes to HLB you're not allow also.. |
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Feb 24 2015, 08:45 PM
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All Stars
48,419 posts Joined: Sep 2014 From: REality
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QUOTE(ims2628 @ Feb 24 2015, 08:10 PM) Serious? thats high, can be done thru online banking? or must walk in counter in order to get 4% interest? read 1st page |
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Feb 24 2015, 09:03 PM
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Junior Member
376 posts Joined: Dec 2013
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QUOTE(bbgoat @ Feb 24 2015, 07:28 PM) Instead of doing this 12 times in MBB, do it once in PBB. MBB claimed that each transaction max is 5k (when I used cheque). PBB wise no such limit. So if PBB is convenient for u, use PBB one time will do. Thanks for the tip but I've sworn that I won't open any PBB a/cs since 1988 when they bounced one of my Co's cheque which was short by RM10, and my office was just 5 doors away from that blasted branch!!!  Last year I issued an MBB chq of more than RM50K for my EPF a/c and it was cleared, no question asked. Maybe the RM5K chq limit was years ago? I'll stick with m2u & have just done 7 rounds of the RM5K EPF transfers already...  |
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Feb 24 2015, 09:40 PM
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Senior Member
6,614 posts Joined: Mar 2011
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QUOTE(giko @ Feb 24 2015, 09:03 PM) Last year I issued an MBB chq of more than RM50K for my EPF a/c and it was cleared, no question asked. Maybe the RM5K chq limit was years ago? I did that 2 years ago and have to do RM5k X 12 cheque on the same day ! I'll stick with m2u & have just done 7 rounds of the RM5K EPF transfers already... But MBB limiting cash to RM5k per transaction for EPF acct ? This post has been edited by bbgoat: Feb 24 2015, 09:43 PM |
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