Placed some funds at UOB yesterday, 12 months 4.2%. First time uob customer, so took about 30 mins to open fd account. So many forms to fill in by the officer. Also, apparently residential address must be within 10 km of the branch otherwise can't open. Initially wanted to use my hometown address, but not allowed.

Asked for 4.25% but denied. No free gifts too. Promo rates till 31 October, 3 months 3.9%, 6 months 4.0%, 9 months 4.1% 12 months 4.2% (not 100% sure about the 3,6,9 months, just glance the pamphlet). This is not step up, choose the term.

I asked about nominating another branch to uplift. Was told no need since can withdraw any branch. Also, I asked to split fd to a few denominations but officer again say no need, can withdraw any amount anytime and they will recalculate interest on remaining sum. Certificate-less fd. I'm really noob. Only second time place fd. The other day place maybank 5+5 came with certificate, only can withdraw at placement branch.

They also sign me up Wealth Banking or something, get relationship manager and priority counter minus other benefits of premier banking.

You can use your IC card to withdraw. No problem. Read sifu Gen-X's blog for more info.

Why you wanted to ask this even with MBB step-up ?

I did not ask as no intention of doing so. PBB wise for their step-up, no issue. But for HL case, cannot find any detailed T & C. Seems to say refer to std banking rules. So I am not sure likely like normal FD rules if you terminate before end of step-up terms.

Yes, the one that RHB was offering with ASNB. End of the 6 mths 7.8% FD.

This post has been edited by bbgoat: Oct 2 2015, 08:03 PM

Checked with HLB today, if withdraw before full term, even fulfilled partial/some of the STEP UP FD period, interest will be halved ((

HSBC 5% for 3 Months FD has expired at 30 Sept 2015, no apparent FD promotions from the bank now

same existing deal.

OCBC Save & Grow Deals [ OCBC | T&Cs ]

You worked hard for it. Now make it grow with 4.2% p.a. returns over 13 months. Get the most out of your money with the OCBC Save & Grow Deals.

Note: 6 months @ 4.00% p.a.

Welcome back High/Frequent Flyer !!

I will be taking time to read your Facebook post about London trip etc. Have read your FD blog.

As to banker's cheque (for FD related),

For MBB, charge is free before, now is RM0.53 per banker's cheque from FD.

For PBB, charge is RM0.68 deduct from FD principal. If not RM6 !!

I think that is normal bank rules for immature withdrawal. Have never done it before.

PBB, RHB step up's are OK. No issue.

What about MBB? Affin STEP UP FD has no flexibility for withdrawal too

No experience with Ocbc
How is their customer service?

Updating on my OCBC gifts/ complaint. Another person called me from the branch, she said she has checked and confirmed with HQ that my FD is maintained with gifts, she said confirm will get. They will only call to collect in Dec. Fingers crossed

Bro, you the best person to go start new thread.

It's not about who got more more RMs or more time to go waste at the banks but willing to share and willingly waste his/her time to compile member's reporting in a systematic layout for Post#1. And in CC section you have proven yourself to be a great TS where you list out the necessary info in Post#1.

So, I beg you to go start a new thread now before some one go start V.10 and start posting here as if this thread is like a chat room, hahahaha.

Thank you for your support in reading my articles Bro

Wow! MBB cheque is really like FREE now, RM0.53 fair since all of us need to pay RM0.50 (exclude GST) cheque fee.

Guys, is it true that HLB is not issuing saving passbook anymore for new saving account opening?? Tried to open saving account for fd placement but was told now they only give debit card and we have to use their internet banking to check our account.

Super weird to me. First time hearing bank not issuing saving passbook anymore.

OCBC customer service should be super. 4 years ago I went in to enquire and asked for wash room. One leng lui take me inside behind their counters and allowed me to use their wash room.

But now I am their PB customer.

Wat is the criteria to join as PB customer?

I believe is quite common now a days most of the bank don't have pass book anymore. We are forced to get a debit card and be charged min RM8 per annum.
As far as I know Public Bank still able to issue a pass book.

Wanna ask...

What's the difference between transfering money:-
Case 1. person A to person A (different bank)
Case 2. person A to person B (different bank)

Q:-
Q1. Is there any difference in terms of method (i.e. GIRO/Banker's cheque, etc)?
Q2. Is there any difference in terms of fee charges (i.e GIRO/Banker's cheque, etc)?
Q3. Are all the banks have the same charges or varies?
Q4. Among all the above methods, which is the cheapest option for Case 1 and Case 2?

hello frens you guys receive your SCB 15month/18month FD promo, 6 monthly interest on time? automatically credited into SA without the need to call SCB?

Mine 6 monthly int due on 8.10.15..

For OCBC, 300k AUM.

RM300k is beyond my means
Btw, just realize u r a HNWI