I believe the staff have been instructed to follow strictly "fresh fund" rules  to the T.
However there are ways to work round the system..only thing is, whether the person handling it want to go thru the trouble to do it or not.

Usually successful with the branch where the cashiers are familiar with me liao.
I used to mengamuk...maybe they don't want listen to my broken tape recorder

1) if i take cash and go drink coffee and come back u want the money or not?? if yes, then u do extra work count $$ bagi saya,,, i give u back $$ , u count again...cari kerja kan??

2) U worry system catch u not follow rule...ok u give me "cash withdrawal"... I go another counter and place new fd.
If want to avoid double counting, don't give me the cash...just pass to your colleague. U worry some more, I can add/minus the amount so it shows a different sum.

my opinion, uob is a tough nut to crack.

A question for those familiar or existing OCBC account holder, can FD being withdrawn cross branches?
and if can, is there any limit?

New to OCBC.

Reason, attracted by the 4.5% FD. 

Ok, just came back from my Ambank "expedition". 

As mentioned by our forumers, Ambank have no problems mixing cheque and matured FD. It was smooth-sailing all the way. Went there with my cheque. Told them I want to uplift my FD and put in new promotion FD together with the cheque. They said ok, processed it and settled quickly. Took the 2 years 4.6% as I don't want to play musical chair. 

I did ask them how much do Ambank accept as top-up to consider old fund as "fresh fund". The lady said they usually accept if the top-up is 20% or more of the existing fund.

I called Penang OCBC PB centre (my RM out on vacation). One of the leng lui at the counter that I know (hehe, gsc don't set your std too high ) asked me, "what egg" ? 

So this is not nation wide OCBC promo. KL/Klang valley only ? 

The 12 mth FD 4.5% promo is until end of Dec, by the way. 

You are a tough customer to please. OCBC info pass around not that good. But I forgive the leng lui RM last time, also blur blur on the FD promo.

Why not you try to ask if the "egg" is for new PB customer ? Or given up on OCBC already ? 

Still pursuing on the eFD thingy ? Did you try the FD online account as I mentioned yesterday ? 

the "nearest" promotion from OCBC is the eSmartSavers account, promo 4% rate until 31 Dec.

for your information, to enjoy the promo rate of 4% p.a. for this e-smartsavers, you are required to open the account on or before 30.9.2015.

Actually I did ask a HL worker before if I withdraw cash, and put as fresh fund in the spot can or not? They told me no. Said something about system will know. Although I have no idea how the system will know.

Anyone might shed a light on how added to principal works? I went in with MBB GIA-I and the interests stated as "added to principal"

So for example i placed 10k, after first month the balance will be 10033 (4% pa) and 2nd month interest will be calculated based on that 10033? ad so on ?

Latest bank stat (Oct)) of loan growth of 9.1%, while deposit only grew 3.7%, may suggest elevated promotion FD rate may stay for sometimes.

The deposit growth pace is not enough to cater the loan given out pace.

A little chit chat and making fun are no harm, just don't go overboard until become like Kopitiam talk.

So I urge everyone's corporation to make this thread a useful and informative thread to be read upon.

Ty.