Bank Rakyat introduces Xclusive membership card - New added by okuribito on 20 November



Banks that pay interest for non-working days - Last update by ??!! on 22 January 2015
OCBC
Bank Rakyat
UOB
May Bank (Need to remind May bank staff to add interest)
Affin Bank - updated by cybpscyh on 12 Dec 2014
Alliance Bank - updated by ??!! on 22 January 2015
Kuwait Finance House - updated by ??!! on 22 January 2015

Banks that do not pay interest for non-working days
Am Bank
RHB
Standard & Chartered Bank

Bank that non-voluntary credit interest unless appeal
Public Bank (Need to complain to BNM then only pay interest)


New IBG Transfer Timing - Updated by gchowyh on 16 December 2014



Old IBG Transfer Timing



List Of Banks With Survivorship Clause - Updated by magika on 16 November 2014
1. OCBC
2. RHB
3. Alliance
4. Ambank
5. Cimb
6. Hlb
7. Affin
8. MBB


A simple FD calculator to help you - by Human Nature on 13 January 2015
http://www.miniwebtool.com/fixed-deposit-calculator/

Thanks so much to below Contributors:
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This post has been edited by BoomChaCha: Oct 2 2015, 09:20 PM

Just called BR branch to follow-up my lowered FD interest rate issue:

Me: Boleh saya cakap dengan xxx?
BR: xxx sekarang rehat..

Rehat...? BR provides recess for their employees..?

I did the same..

You need to open an Affin saving account to let the FD principal + FD interest to be
deposited to your saving account upon FD maturity.

Where is the T&C stated this..?

The last sentence is quite misleading...


I will go to Affin Bank to get confirm about it when I have time..

I do not think so.

In version 8, a forum member mentioned that because this Promo duration is very long (valid until end of the year),
so this 4.33% will change based on OPR; but for those who already placed the FD, the original FD rate will not change
regardless of the OPR change. I more agree to what he said about this.

In fact, I already called 2 Affin branches about this issue, they all said that FD rate would not be changed
after we placed the FD.

Anyway, I will grab this flyer to ask Affin Bank face to face about this issue, then I will get back to you..

This post has been edited by BoomChaCha: Jun 9 2015, 04:16 PM

All of you have to honor the FD rate printed on the FD cert,
otherwise I will suspend your bank license..

Yes, this is what I mean, but I will go to double confirm with Affin..

Yes, 100% agree..

A Message from Top Cat RO Player:

- Placed 1 year FD at 4.25% in BR with existing fund and also received the followings:
(1) Monthly interest
(2) Parker Pen (pen now no more BR logo embossed but plastic sticker )



This post has been edited by BoomChaCha: Jun 11 2015, 03:51 AM

Ha ha
In this case, I will have 2 more years to scare ..

Oh...
OK... I have updated this OCBC link on Post #3..

Thank you so much....

Ya loh...

Not to say that not scare at all, scare a bit lah..




Please be aware that if FD deposit is less than RM 30K, a management fee
RM 10.00 will charge each month.

A minimum RM 5.00 is required to open an Advance current account, it is refundable
when you close the current account.

The FD can only be effective after your banker's check is cleared.
You can only withdraw this HSBC FD on the next working day of FD maturity day.
So, we will lose at least 3 days interest, unless if we bring cash then will only lose one day interest.

Maybe a free umbrella is still available, just ask for it..if umbrella is no more available, then ask for other gifts
that HSBC has..

You can use this method if you want to place more than RM 30K since the maximum limit is RM 30K per name.
Let's say if you want to place RM 90K:
(1) A for RM 30K for first RM 30K
(2) B for 30K for 2nd RM 30K
(3) A + B (Joint account) for third RM 30K
Total RM 90K + RM 5 x open 3 Advance current accounts = RM 90015.00

And you will get 2 free umbrella..

This post has been edited by BoomChaCha: Jun 11 2015, 02:31 PM

2 days ago, the BR officer said in order to solve my lowered interest rate by 0.10% issue, the BR officer
suggested me to withdraw my 5 years FD (2 more years to go), then use the money to place another
new FD for 1 year at 4.25%....!!!
I cannot imagine how stupid is this BR staff...

Why must be aunties & gf leh..??
Uncle & bf cannot meh..?

Everything will burst lah especially property market.... except FD depositors like us... Yeah..

It is Okay..no need to say sorry lah, Ah Sir....

Minister: Malaysian ringgit could plunge to 1998 levels if 1MDB debt unpaid - See more at:

http://www.themalaymailonline.com/malaysia...h.3j6Uyl8A.dpuf

When Ringgit value depreciate.. then we just need to control spending wisely loh..
No more night club and no more foot massage loh...

Or just like what our Big Magician said, keep our monies in another country like Singapore..

As long as to place minimum and maintain RM 30K FD in one account for 3 months, there is no
penalty fee for Advance current account.

I did not pay for any penalty fee to close my 3 Advance current accounts upon my 3 FDs maturity,
because I put enough RM 30K for each FD account.

No, no obligation to take the check book. For me, I did not take the check book.

My net profit for RM 90K (3 FD accounts) was RM 1135.00, before to deduct a HSBC's banker check fee for RM 5.83 (6% GST applied ).

Don't forget to ask for a free HSBC umbrella, one free umbrella per customer...

This post has been edited by BoomChaCha: Jun 12 2015, 12:05 PM

CD will become less and less lah since our currency drop.., this is for sure lah..
If not making money, who wants to come here..?

Same thing to foreign workers, Bangladesh will become less and less...

Our Big Magician has this idea, last time he said he wanted to move his money to oversea,
looking at the situation now.. what he said was right lah...

I placed this RHB FD in less than 3 months ago.
According to RHB, those interest rates will not be changed even if the OPR goes up or down.

RHB gave me a thin FD cert and printed the first 3 month's profit (3.30%) on it.

I can go back to RHB branch to renew the next interest rate on a new FD cert when each step-up tenure
becomes mature; but if I don't go back to renew my FD cert, that is fine also, because the next FD interest
rates will auto renew to my FD account in RHB system.

This FD can only withdraw upon maturity, it means 1 year later...

You can try to ask for gift.. RHB gave me 2 plastic mugs only....

When the FD matures, you can request to put the FD's money (withdraw FD), and saving account's money (close
saving account) on a banker's check.

Actually it is a current account, not saving account. The minimum balance in current account is RM 5.00.

If your FD deposit is less than RM 30K, a monthly charge RM 10 will apply.

Hope this helps..

I visit HSBS only when they have an attractive FD promo...

I was not aware that I could use FD to pledge for HSBC credit card....