lol got many certs but all small amounts..mostly give my name for joint account only..maybe because I am the one who campaign to move to promo FD rates (and too free to go to banks)..if not, will just sitting on base rate

Banker's cheque from OCBC FD upliftment is still free after GST implementation?

that's from casa..FD upliftment with OCBC was free before GST implementation..so just wondering whether it is still the same

Thanks. So if 4 certs will be RM2.12, still cheaper than combining 4 certs to 1 BC (as informed above by cybpsych, normal BC is RM2.80)

Diff banks diff charges..really eat people one.

Just back from musical chair session. UOB here implemented something new. The staff at the ticketing counter insisted to fill up the upliftment and BC form even though my number is just next on the queue. And when my number is up, my FD cert is still stuck at the ticketing counter Anyway, was informed by the teller that the 4.2% promo ending on 30th Oct has no targeted amount so it will last until the due date. BC for UOB is RM2.80 now.

I also asked what is the minimum placement amount that may warrant a negotiable rate. After consulting with her superior, was told that there is no specific amount. It can only be known at the time of placement. Too bad, else can prepare the amount before going.

Next stop was OCBC, 4 counters are open but got stuck at the queue because all 4 are busy with customers doing investment products. But when it comes to my turn, everything is smooth

This post has been edited by Human Nature: Oct 13 2015, 04:14 PM

It was 2.15 before GST implementation. Last time I argued about 0.15 but the manager said depends on branches one.

bravo

my today placement at OCBC also matures on sunday..close two eyes

Thanks...i mistakenly thought that ocbc does not pay for non working day..should have checked at page 1

Any tips on how to nego for higher rates?

If we already passed the banker's cheque to the teller, he/she would know that most likely we will make placement there so less chance to nego.

No RM.

that's what i scared..sekali they see my amount kacang putih only also i wonder whether possible to get 0.1% increase

Wanted to become PB of SCB but since no more FD promo, no motivation to go to the branch...procrastinating procrastinating almost 1 year has passed

Yeah, planning to try luck for nego rate with uob..but since it will be on top of the 4.2% promo, chances are less...somemore I tried to nego to reduce the BC rate to RM0.15 also not successful

BR has my highest FD amount but never got the chance to nego because it will just roll over and my mom will go there to renew the cert. One fine day need to try nego there too.

Actually me too would have placed some fund with Ambank 5 years. Save time and cost to play musical chair in 5 years and yet gain a good rate. Monthly interest for above 50 yrs some more but too bad final decision not mine.

let me answer further on a few others.

No need to inform bank in advance, just bring your IC and go. Just bring the statement along if you want.
Once mature, can uplift on the same day or later.
UOB charges RM2.80 for banker's cheque (usual case for my branch)

Referring to the BC fee? RM2.08 for normal customers, no idea about VIP

UOB FD maturity is on the day itself. maybe +1 day only for online upliftment.

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just returned from ocbc, their process is really taxing. took 1 hr 20 mins for placement. cost me rm4 parking.

Mine on 27th. The half yearly interests, are they still inside your FD or you have withdrawn them?

Mine on 27th. The half yearly interests, are they still inside your FD or you have withdrawn them?

same boat as you. quite pain to wait for 18 months

Wah, like this good oh..just get the PB status one time, then reduces the amount...Is FD placement + cert issuance faster at PB room compared to normal area?

i need to remember to ask about the monthly fees if below AUM the next time I am there. Hopefully OCBC has good FD rates when my SCB matures next year, can be the destination liao.

I can withstand it, I am good in making 'muka bodoh' one. Nobody will layan.