online transaction or credit interest is not counted for SCB too. Need to do over the counter activity.

Marketing success

now everyone encouraging online transaction, and they still want over the counter activity. stone age

Nope
If u have online banking, I wud suggest u perform 'inter bank transfer' transaction via IBFT (either outgoing or incoming) since the charges is FOC until 31/12/2015

I kena from PBB too. Have to go to do OTC withdrawal. They said anyone can do deposit. Need to do withdrawal to re-activate the acct.

For HL Money Box, online transfer can re-activate the acct.

Actually I was swayed more by the gain of 0.06% that can buy a good dinner for 10 people than by hearing that OPR is going to drop. So just put all the BC there instead of going to UOB or OCBC for the 4.2%.

But if they didn't tell you about it..

I know you are going to say that. It is going to happen later if it is to happen. Now I have few BC's in my hand. It is a matter of putting the FD here or UOB/OCBC. The main difference becomes the 4.26% vs 4.2% in UOB/OCBC. Also 15 mth vs 12/13 mth. The AmBank that I placed the 4.2% is next door to HL etc. UOB/OCBC is in the town center, >25 minutes away.

This post has been edited by bbgoat: Oct 4 2015, 04:26 PM

OK guys, attach one page on the MBB general investment i 12 mth, effective 4.5%, monthly interest:

This is the only page MBB Manager allowed me to have.

This post has been edited by bbgoat: Oct 4 2015, 08:18 PM


Attached File(s)
 MBB_GIi.pdf ( 2.28mb ) Number of downloads: 176

OK, another one is new MBB FD 3 month promo eff rate 3.93% starting 5/10/2015. Got it on 1/10 Thursday.





Attached File(s)
 MBB_FD_Oct_2015.pdf ( 1.24mb ) Number of downloads: 201

For those depositors who can embrace risk, better goes for Maybank 12 mths product (non PIDM) instead of 3 mths promo as returns r higher

Does anyone able to view attachment? I open it but automatically close down.

I wanna know how much the minimum and fresh fund require?

This post has been edited by Vincent9696: Oct 4 2015, 09:07 PM

RM10k for both products

Just right click and save link. No problem for me.

After thinking over it, tomorrow likely I will go for this one instead of MBSB one. Just take some risk. Since I have some in MBSB already at 18 mth 4.5%, going for MBB at 12 mth 4.5% is even better in terms of return.

The 3 mth one is meant for those looking at shorter term. But I think other banks have slightly better rates. For me most of the times I look for 12 mth or beyond.

This post has been edited by bbgoat: Oct 4 2015, 10:07 PM

Please share with us the outcome, usually at the point of signing, there should be some overlooked clauses that might be deal breaker.

If successful pls update us more details.

hi, cimb is offering 4% for 3 months.
is it worth?

https://www.cimbclicks.com.my/eFD.html

Why is it not worth? Is very good rates for 3 months. No need to run to the bank some more

well, the upside is limited to merely 4.5%p.a, while the downside is technically unlimited as neither capital nor profit is guaranteed,
if the bank goes kaput, all they need to do is just say: sorry, we just screwed up

The manager told me the profit will vary with OPR. If it goes up, good for us. But the other way round, ha ha.

But since this is into MBB's Islamic subsidiary, this should provide some comfort instead of into bonds, equities etc.