have talked to customer service.

there's no option to apply via internet banking (i've even argued the product page stated differenty)... you need to submit via online form here

Oh get it... thanks for the info!

thanks man. will check it out on monday

after submitting the online form, need to go to a branch or not?

no need. just need to IBG RM200 to first activate the account. refer full T&C here.

This post has been edited by cybpsych: Jun 27 2015, 11:02 AM

For this OCBC e-SmartSavers Account:

I would know whether the following is correct or not.

July 2015: Activate the account by depositing RM 1000. Get 4 % interest per annum on the account balance.

August 2015. Deposit RM 50. Make a withdrawal. The interest is now 0.5 % interest per annum on the account balance.

September 2015: Deposit RM 50, and does not withdraw. The interest is reverted to 4 % interest per annum on the account balance.

Yeah pretty much, but what if there's no deposit and no withdrawal for a month?

As usual OCBC staff does not know their promotion well......thanks for your clarification otherwise.......just finished counting the money....

At 3.33am finished counted eggs ? Need any help, just PM. It is FREE service, ha ha ha.

MIB..? Men In Black..?

Captain.. I really do not think they have the intention to cheat me la...

About the monthly dividend issue, the BR staff was not professional, she did not listen to what I said.
In fact, I was complaining 3 times of dividend issues which she did not listen to my request for monthly dividend carefully.
I suspect she is a half-deaf person..
Eventually she managed to solve the problems but this consequently wasting my time and energy..

I guess BR perhaps is the most polite bank in Malaysia... OCBC & Citibank also cannot fight..

No perfect bank in the world lah...
Remember couples years ago, the OCBC RM tried to cheat my Gold Art?
And also during last year, the arrogant AM Bank Senior RM (some-more a senior RM..?) asked me to keep my money at home..

In fact I monitor my blood pressure every day...
If my blood test report OK.. I am thinking to place another 5 years FD....

This post has been edited by BoomChaCha: Jun 28 2015, 09:48 PM

What does it mean by: Please visit any OCBC branch to remove this withdrawal restriction (to have unlimited transaction limit)?

Does it mean that we can go to the branch to remove this restriction so that we can make unlimited withdrawal transactions?

I think is if you want to withdraw >Rm25k

Okay.... Thank You

I think this e-SmartSaver is a good deal..
but the bad side is the withdrawal...

The Am Bank True saving account is a good deal too...
It looks like better than Affin Bank saving account...

I think I will open Am Bank True for sure...

13)
Is there any maximum amount limit on e-SmartSavers account?
Yes, your yearly withdrawal amount is restricted to RM25,000.
Any transaction performed after your account exceeds this limit will be rejected.

14)
I wish to transact more than RM25,000 from my e-Smartsavers account. What should I do?
You need to visit our branch for a quick verifica tion for your account to have unlimited transaction limit.

Source:
http://www.ocbc.com.my/assets/pdf/Accounts...tSavers_FAQ.pdf

If allow to withdraw more than RM 25K, then can consider ah..
What if need money urgently for heart bypass operation...., and cannot withdraw money to save life... then how..?

That's why prevention. Eat some raw garlic everyday. Take fish oil. Cut down on KFC/Bak Kut Teh/Alcohol/cigarette and exercise.

Wah.. eat raw garlic everyday..

KFC & Bak Kut Teh seldom eat..
Alcohol I do not drink..
I quit smoking more than 30 years ago...

You missed one thing.. take high fiber foods

Exercise.. Ah Goat is a sport man..

This e-smartsaver cannot open account inside OCBC branch..?

This post has been edited by BoomChaCha: Jun 28 2015, 10:20 PM

One more drawback of e-Smartsaver is we cannot open joint account...
This is quite inconvenience for senior citizen.... Unless if we take the 6-month risk lah...

This post has been edited by BoomChaCha: Jun 28 2015, 10:27 PM

From what I gather is online.

Who ask to eat garlic alone. Eat with food. You want to spend so much for heart operation or you want to spend little for garlic? Also add 1tbsp of extra Virgin olive oil and drink green tea.

Exercise = walk up stairs, walk fast around housing estate also can. No need to run like crazy.

Give username and password to wife. So she can withdraw anytime if something happen tobyou. Touch wood.

Watchout on advice from dr quack.

Ah Goat eats grass, healthy natural food to supplement the CD food.

Stopped smoking >30 years ago ? We always think Ah Boom is sooooo younggg.

What Ah Boom, a senior citizen ?????