ambank and RHb offering FD + trust upto 6 to 7 % return.

CIMB just text that FD + trust 3 months get 8%. any catch ?

assuming unit trust under perform, will it drag the net FD to below 4% ?

When a local giant like Maybank goes kaput, does PIDM has enough fund to cover tiger's ass?

You can check and see whether affin still have 4.33% for 15 months or not

Why not put in RHB 4.21% for 12 months while it is still available until the end of this month...???
Interest will pay based on 3 monthly basis; after that, the last 3 months will pay on monthly basis.
I just received my first 3 months interest in my saving account..
[attachmentid=4560965]
Another option is Affin 4.33% for 15 months, no monthly interest.
It was still available when I was in Affin Bank last Friday...
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Gold price has gone up about 4% compared to about 1.5 months ago. With ringgit performing badly, the gold price comparatively have strengthen. With Greece crisis and 1MDB debt which may pull down the ringgit.

U mean Gold passbook?

Tis product still available
https://www.pbebank.com/Personal-Banking/In...t/Features.aspx

free parking, free coffee, priority queuing, annoying relationship manager

Except seldom has high FD rate except for few banks like Mach, Alliance etc. But compared to other bank's promo, still slightly lower FD rate. If amount is huge, can be quite substantial different interest returns.  Also limited banks with high eFD rate to spread the eggs. Good for those HNWI people who don't care about the interest. 

Only good, if no time (lazy  ) or want to get items 1 to 4 listed above. I do place eFD but only for short term needs where I don't care about the interest rate. 
Ha ha, you become my spokesman ?   

Your standard is too high la. Ah Boom also said OCBC has lots of leng lui. So either your std is too high or .................  

Did the staff indicate in some where of your participation ? 

Suppose to show them the SMS confirmation. I showed the SMS but at that time no SMS confirmation received. Well it is good to do that and have it recorded some where. If we did not receive the pen, at least have some proof to show. 

May i ask

1) if the Ringgit Plus OCBC 40k fd promo with free luggage is subject to availability only ? ie not guaranteed right?

2) are we still eligible for the Roller Pen promo together with the ringgit Plus promo ie register both with Ringgit Plus & OCBC website, but only 1 FD placement of RM40K?

No serious here. If one were to live like that, one will have substantial savings.

Then when want to buy house time, if IRB ask that question, how to show them papertrail?

Is it true that CIMB does not allow joint FD account holder (either to sign) to withdraw through banker's cheque using only one of the names on the cheque? I requested the cheque to be issued under my name but was told that it must be two names, cannot be 1 name only. Other banks like UOB allow me to do so. In fact, they even recommended me to do so when I asked.

I had to make 3 visits to CIMB recently because of this. As there were 2 names on the cheque, the cheque got rejected when I tried to deposit it into my account in another bank. So, I went back to CIMB to cancel the cheque & ask them to reissue another 1 with my name only the next day. I ended up paying another RM5.98 + RM2.12 (cheque cancellation fee) for it. They got my name printed wrongly. I was in a hurry at that time so I did not check properly before leaving the counter as their service was slow. I just skimmed through the cheque and it looked ok to me. Only on my way to another bank did I found out that they got my name printed wrongly. I had to go back to CIMB again for that. More waiting.  The officer did not even have the courtesy to apologize for the mistake. By the time I got my cheque, the other bank was already closed.

I think they also did not pay me the interest for the weekend. This coupled with the interest lost for the cheque clearance & petrol costs all added up to my losses. Really lousy bank.

BHL Bank or Ban Hin Lee Bank was a famous Penang established bank. 

No point complaining to the BM. In fact, the counter staff confirmed with her superior and told me it must be 2 names. This bank really lousy 1. They won't even allow other people to bring your bank book to the bank to update it on your behalf. You need to be physically present at the counter and do some verification just to update your bank book.  
You can consider opening a basic savings account with no annual fee. You can get the ATM card without any annual fee. 

Is BSN a member of PIDM?

r u sure? afaik, onli coop bank dat is not pidm member. correct me if im wrong.

if u look at BSN website, d most bottom part of it can see PIDM logo. i assume dat they must b member of pidm.

fixed deposit is consider most safe invesment simply bcoz it was backed by deposit insurance. https://en.wikipedia.org/wiki/Deposit_insurance in malaysia, its known as pidm.

there r too many things were backed by gomen. sometimes u get scared if shit does hit d fan, wether gomen had d ability to return back.