let‘s say I already have cimb saving account 100k, i want to place that sacing 100k into CIMB FD　with promotion rate, then cannot??
or I place 99k from saving account to FD + top up1k cash, can it be considered as fresh fund

Hi Boss, Many thanks for your explanation.

I tot promo until 30/9?

Quota are based on branches

There are several stalkers in here.   
Wasai, just went in and saw several FD guys who are active there !! 

Yes, some people talking about possible rate hike, good for FD guys here ! 

Just a quick opinion of mine.

RM2k x 3.15% pa /12 = RM5.25 per month (eFD from your current bank account)
RM2k x 3.9% pa /12 = RM6.50 per month (over counter)

Personally, the difference in actual amount is too little to trouble yourself over the counter. Your time alone is worth more than the RM1.25 cents a month (or RM3.75 over 3 months). While I understand it varies individually, only go to counters when the difference in amount is more valuable than the time spent, or/and petrol and parking spent.

Example
RM10k x 3.15% pa/12 = RM26.25 pm
RM10k x 3.90% pa/12 = RM32.50 pm

Over 3 months, RM18.75 ... at least this covers your time (to some, RM19 isn't even worth the trouble), assuming you just need to walk there. Remember, it's not just once that you need to go over. You need to go to counter as well to uplift. That will be 2 visits just to make that difference is amount compared to eFD. Maybank 3 months eFD is 3.20%. The difference will be even lesser since I'm only using 3.15% for calculation.

Remember, we're all in this thread to make sure our money works for us, with as minimal effort as possible. If cost>interest gained = no good ROI. Unless the bank is just within walking distance of your office, then I think it wasn't a good idea to go OTC.

Went to Maybank today to get the 5 + 5 promo rate. Only Islamic available. Conventional sudah habis!
Any difference?

If I'm not mistaken, the 3.25% rate is for OTC placement, not eFD.

Do correct me if my memory fails me...

I can't find 3.25% IFD via eFD.

Anyway, I setup a i-Yippie account, so can park (maybank2U transfer) up to 50k to get 3.25%, calculated daily i think.

Question: How many i-Yippies can i create with the same branch or other branches?

How do you apply via eFD?

I logged in to Maybank2u site, clicked into the "Apply online" section & there are only 4 online accounts that I can choose from: Maybank2u Premier, 2 x M2U Savers & Unit Trust. None showing Islamic eFD at 3.25% for 1 month.

Where can I find the option to apply for it yea?

Can't find the rate for Yippie-i (M2U-i too) from Maybank's website, so it was not in my radar screen

hi everyone,

went to cimb branch today ask for special FD rate. that person say because i'm not preferred customer and not payroll account, she can only provide me following choice:

1) 1 year with min RM10k for 3.8%
2) convert to payroll account, with min RM10k FD for 3.8% for 6 months.

any advise from the above 2 choices?
is this worth?
*newbie here*

which bank offer 4.2% for 1 year?

tun, hlb no 4.2% promo!!

ocbc 13 month 4.2%.

They also have 4 mths 4% and 10 months 4.17% ... just FD.

The T&C below mentioned that campaign rate subject to OPR change. bbgoat bro mentioned about monthly interest credit, is that mean the interest rate can change anytime if OPR changes.

Still, if this promo is true for all customer, damn good deal weyyy... Happened that I got some matured FD too 

Very interested in this, but currently my fund is with Maybank. Is it OK if I just IBG it to another bank for a few days and IBG back to Maybank again to be considered as fresh fund?

Thanks

banker's cheque need to pay. if small deposit amount, might even cost half of the interest

Ya, can I IBFT back to my saving account to be considered as fresh fund?

most but not all. some promo even need 1k only. as suggested earlier, ibgt if the bank accepts. somemore gonna free till year end. definitely saves time.

cimb preferred.