Well put: annoying relationship manager.

Actually one add'l bonus is the gift that comes with it. With CB, I once got an imported branded Swiss watch. UOB got a gold plated plaque.

This post has been edited by bbgoat: Jul 10 2015, 02:35 PM

Have opened Mach acct but no FD placed. Completed their survey and was given RM40 e-voucher.

Except seldom has high FD rate except for few banks like Mach, Alliance etc. But compared to other bank's promo, still slightly lower FD rate. If amount is huge, can be quite substantial different interest returns. Also limited banks with high eFD rate to spread the eggs. Good for those HNWI people who don't care about the interest.

Only good, if no time (lazy ) or want to get items 1 to 4 listed above. I do place eFD but only for short term needs where I don't care about the interest rate.

Ha ha, you become my spokesman ?

This post has been edited by bbgoat: Jul 11 2015, 09:02 AM

Can be for normal sum and 1 year period if the rate is good, like the MACH promo about 2 years ago (or last year ??).

Ya loh, people say I cannot be his spokesman. Hahaha ...........

Did you register through SMS or OCBC web site ? I did both. But when I register thru' the SMS, no confirmation back. Did you receive SMS confirmation from OCBC ?

So do the PB centre of OCBC now aware of the roller pen promo ? Still trying to find the leng lui RM that I mentioned before ?

This post has been edited by bbgoat: Jul 13 2015, 05:40 PM

Your standard is too high la. Ah Boom also said OCBC has lots of leng lui. So either your std is too high or .................

Did the staff indicate in some where of your participation ?

Suppose to show them the SMS confirmation. I showed the SMS but at that time no SMS confirmation received. Well it is good to do that and have it recorded some where. If we did not receive the pen, at least have some proof to show.

My FD cert did not show anything regarding the roller pen.

Did they note it down in their system or on the FD cert ?

See 4.14:

http://www.ocbc.com.my/assets/pdf/Accounts...o_savesmart.pdf

Bro really good, always fast in posting new promo !

So PBB came out with new FD promo slightly lower than the 4.21% previously.

Ya, more "experts" in newspapers predicting that. Better go for longer term FD. But only one with PIDM seems to be Affin 15 mth 4.33%. Really miss SCB's 15 mth 4.5%. Luckily did place substantial amt there.

It depends on people. The amt is small but to me it is a "substantial" amt.

I heard the same. Not sure what strategy UOB is doing now. Though they seems to have been "competing" with OCBC in the past. But now OCBC is still having 4.2% 12 mth promo with gifts some more.

These are for CASA (current & saving accounts) only.

Quote:
Problem of having too many different banks and FD.

That is NOT a problem. That is typical of HNWI, too many certs to count, don't care of interest earned from banks, ............................

I was more referring to UOB used to compete with OCBC for the 12 mth 4.2% rate. For short term rate UOB promo is good. But they lose out to OCBC on the 12 mth with 4.2% rate.

Come on UOB, have 12 mth, at least 4.2% or even higher. Unless they are looking at possibilities of OPR going down.

This post has been edited by bbgoat: Jul 17 2015, 10:18 AM

On maturity date can take out principal and interest, no issue.

Edit:
I checked my HL Bank statement, the HL Bank just indicate balance, but no individual FD maturity date. But the HL Islamic Bank did indicate the maturity date of FD. Anyway I think the FD maturity date need to be tracked and cannot depends on the bank statements alone (every 3 mths in this case). But HNWI (or ultra HNWI ? ) people may not be bothered with the tracking.

This post has been edited by bbgoat: Jul 17 2015, 02:43 PM

Bro has too many eggs to count other than FD's. Most of the days can see bro "working" late nite, like the above post at 2.14am.

I used Excel file to track my FD's so that I don't have to flip the FD cert/notice/advice. Much easier when we have a bundle of FD's.