I was just at UOB yesterday & confirmed FD promo 4.2% is still on but not applicable for the gold gift though.

Side tracking a bit, I was introduced to Pru Retire Guard & was wondering if anyone participated in it before.
The attractive point is that it can be withdrawn anytime after the first year & 6th - 20th year it will provide 7% guaranteed interest.

The only -ve is 1st - 5th year, there is no guaranteed income but 1st year there is potential of getting 5% interest.
It seems to have been in the market since 2012 (https://forum.lowyat.net/topic/2497079/all) so wondered if anyone has gone into it before & gained some good interest out of it.

Just confirmed UOB FD 4.2% promo still available till tomorrow.

But I should have gone for SCB 4.5%, only did not want to visit so many banks & had to go UOB since they have a special 3 months FD promo at 5.6% if signup for their retirement plan.

I got no more bullets for the time being as want to maintain Xclusive status in BR & some monthly income from them too

Saw your post on SCB priority banking, afraid when their promos end & when moving out our money, we forget to terminate the status as they will charge fees for it if the balance fall below RM250k. Thinking of just terminating it now since not much use.

tbheng, yes, is all written clearly on the 'Welcome letter'. That's why I was very worried when I saw RM100 EVERY MONTH!?!?
Worst of all, I didn't even get any credit card / privilege card with it unlike AMBank or BR.

I beg to differ, for Ambank, I was given the Visa Infinite as like a PB member card, no further documentation required from me.
(Sorry not promoting Ambank, but initially for sometime I was a PB customer at Ambank only )


FD promo at Ambank recently gave additional 0.05% for PB but yes, only sometimes there is additional interest given.

For Ambank & BR, if you have PB, you can jump queue to the next available number in the normal banking branches.

But ya, I don't agree with SCB, in automatically making a person PB customer with such charges. They should ask our consent first like Ambank, I was required to sign a form to agree to being a PB customer.

This post has been edited by gchowyh: Feb 2 2015, 04:03 PM

It is RM 200k but I cannot recall what the charges were if fall below it & believe there should be some fees
I think I will just try SCB PB once & then terminate it Just afraid may forget to terminate it next year.


Ok, point to note

This post has been edited by gchowyh: Feb 2 2015, 07:11 PM

Since bbgoat & co from Penang got hampers from Bank Rakyat I decided to try my luck today in PJ.
Though did not get hamper but still got an Xclusive umbrella & ceramic cup with cover.

This year's AmSignature's diary/organizer looks good too.

Here is the photo including BR's ang pow packets:


This post has been edited by gchowyh: Feb 18 2015, 11:41 AM

HAPPY CHINESE NEW YEAR to all too!

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)

Not 1x or 2x definitely. 3x

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

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

Wah, Nilai branch too far for me
I can get the Chicken Essence then sell it online

I think at Ambank, you can complaint as much as you can but not much change will happen.

The last time I went to the AM Signature outlet, I asked to check who is my RM, they asked me back.
I said I don't know ever since my previous RM left so they asked me to choose. I said anyone as long as I get updated from time to time but after suggesting an RM they did not make any note on it so I don't think they bother which RM will attend to us.

Besides that, I also got a few double charged transactions in my credit card 2 months ago & my online account was not synchronized for several months due to their system upgrade issue! So I could not perform some of my transactions.

Is ok, my bad too..

As far as I know, there are 2 AM Signature banks in Klang Valley, one is in TTDI & the other in Jalan Yap Kwan Seng but I cannot say anything about the service at the TTDI branch as everyone seemed to have changed since they first started AM Signature.

In terms of service, I am quite used to the SS2 branch as some of the senior staff & branch manager know me through the years.

This post has been edited by gchowyh: Feb 26 2015, 12:16 AM

Well, that is the good part of local banks. Once they have your details (which was many years ago), they never ask for it unless to verify during withdrawals.
When AM Bank Signature first started, I was called & met my RM at a restaurant which she treated me & just asked me to sign the form to be a member, that is all.

Initially I had no issues with AM Bank at all but when I attended their Customer Service session a few years ago, I was surprised there were sooo many complaints. Guess not much has been done since then & it only got worse.

I am surprised Maybank is so strict on this. I previously tried for CIMB & they allowed me to just submit FD slips of other banks.


Bro, I just booked a Bali flight on MAS & is still cheaper than AirAsia on sale (after including in credit card charge & luggage)


Oh no, mine will be due on 23rd & I haven't subscribed to their internet banking also!

This post has been edited by gchowyh: Mar 19 2015, 12:34 PM

It is shocking but the level of quality here is so bad it becomes 'acceptable', some shocking experiences i encountered:
1. My terminated broadband with Digi suddenly starts charging me again.
2. When I was at Digi centre, a corporate client complained of so much dubious billing until the lines got suspended!
3. Ambank double charge me on some transactions amounting to RM1000+
4. Bank Rakyat did not credit my monthly FD interest

All this was due to system problems & they don't even bother to pre-inform the customers or be terribly sorry or provide some compensation.

So in summary we always need to be vigilant & check (not sure if such things ever happen in other countries)

SCB seems no better than AmBank. Went there yesterday to check on my interest & open a 4.5% promo FD.
RM desperate for sales until talked to me for about an hour, wanted to yawn out loud!
After knowing I am persistent on FD, she didn't even bothered to check if my interest was credited.

But seems all my FDs last year was placed on option 3 so I hope I do not have to put up a fight for it.
Today I also heard there is a 10% requirement in savings for 4.5% FD even for fresh funds

Btw, SCB priority banking at uptown only gives instant 3-in-1 coffee / tea but Ambank TTDI has changed to Lavazza

Ok, now I know I am still eligible for it, I did not get it yet.
I will complain to my RM tomorrow.

And I thought AmBank was bad. My SCB RM suddenly stopped replying me when I told her about this issue.
I am starting to think quality of work & service 'here' is hopeless

As long as we get what we requested for is already a wow factor, cannot hope for anything more.

Anyone still facing problems with SCB?

Apparently, the branches will not take phone calls & call centre said must physically go to the branch to check. And my useless RM is avoiding me. Is been the 3rd working day since reporting the issue & no status at all! Looks like I have to go to the branch which is a hassle!

Maybe I should complain on their Facebook

I caught her at the bank just now though I went to the normal banking area & she behaved abit wierd. Keep saying need few more days to check so I said are you going to pay for the lost of interest on that interest? Anyway I said fine if that is the case, I will wait at the normal banking area for my answer today. In the end, she got the answer within 5 mins!

Apparently option 3 means I will only get the interest upon maturity & everything banked into my account. I asked her are you absolutely sure as I know it is a known issue & my friends also facing the same problem (thank you guys ) , she said she already confirmed with the operations manager.

So now I can confirm my worst experience in banking is with SCB! How bad can it be, today their whole system is down, even queuing number also manual!

Bro Gen-X, you may reuse my comments, no worries. Service industry maybe almost hopeless but still worth a try highlighting.