For UOB when there is no promo, you can ask for increase. But only low 0.05% or so. But with promo rate, tough luck (unless very high amt >6 figures).

BR wise, with 6 figure, can get 0.1% more. But it looks to me you are not BR kaki.

Yes, you are right. Not many banks can nego rates. Esp if they are already having promo rates.

After becoming PB of SCB, I missed going to a wine tasting function and dinner for UT introduction. Go go and join them.

Oh, BR got the highest FD amt for you. So now I know we have a quiet BR kaki.

I put in to MBSB's 18 mth 4.5% recently. But still have not put in to their 5 yr 4.7%. Maybe I should do that before they merge with another bank.

But 5 yrs is a bit long. I dived in the AmBank's 5 years FD last week. Still kind of trust AmBank more than MBSB. But may still go for MBSB 4.7% later.

Splitting eggs is just for security. But once over 250k in one acct, that may not mean much already.

Nowadays if suspect have problem, go for check up and treatment. High blood pressure can be controlled. So 6-7 years ? 16-17 years also sub sub suai !

Checked my FD, OCBC and SCB have FD matured on Sat ! UOB system will auto adjust to next working day (that fact has been known for some time).

Despite all that have been said about BR, their system, same as CB, will adj to next working day. Not even MBB is doing that, but you have to ask them (MBB) to pay you for those FD that matured on non working days.

This post has been edited by bbgoat: Oct 18 2015, 10:35 AM

Ah Boom Ah Sir, have you deposit in BSN before ? I have heard of their service .....................

But saw they advertise in China Press FULL page advert yesterday. Are they trying to get more Chinese customer ?

Hahaha, seeing the leng lui made you feel "good" !

When I was in KFH they told me the same thing. Most of their customer also Chinese. BR Penang same as well but their PR is good giving CNY hampers (cheap cheap), high tea etc.

This post has been edited by bbgoat: Oct 18 2015, 02:59 PM

Which promo of OCBC ? There is one 360 days one by OCBC that pay interest on the 6 mths and roll it into the principle. Not that one, eh ?

Oh, it is a different one. I joined OCBC only this March. Met the leng lui RM which @gsc said no leng lui RM in OCBC PB centre.

Ah Boom's picture can be shared with @gsc. He has very high standards on leng lui.

So far has no fd with BSN. So will continue to do that. But recently they may tried to change their image. FULL page advert in China Press last week.

Hopefully their service will be much better from now onwards.

Have tried to do online withdrawal for UOB's FD. But though today is due date, the FD is still NOT updated online. So tomorrow will have to take a look if I can do online termination. Then save a trip to UOB.

@gsc, I did not see any leng lui RM there, do you ?

One of my UOB FD's 6 month interest was paid one day later 2 weeks ago. System problem ?

This post has been edited by bbgoat: Oct 19 2015, 08:14 PM

In Penang, my experience is not many people in the PB room for FD placement. Pretty fast. Could be time of day, not 100% sure.

Wasai, so can pull out the 300k and still remain PB ? Captain has said something like that before.

But some banks will start charging monthly fees.

This post has been edited by bbgoat: Oct 19 2015, 10:44 PM

What lah, you are so eager. Did not ask that question. Put mine on the 5th. My guess is on the 5th or the date you put in the GIA-i.

Last year Oct, the FD promo are 4.0% for 12 mth but SCB has 15 mth 4.25%.

Next year 4.8% ? Lets see.

Today in OCBC to collect the Hugo Boss pen. One of my relative who did not register (online or SMS)also were called to collect the pen.

Their 13 mth 4.2% FD still ongoing until end of Nov. But no more gift. Only RinggitPlus trolley bag promo still ongoing. But one of the leng lui told me is NOT guaranteed.

Just on the 9th, have placed for the AmBank 5 years 4.55%. Now 2 yrs 4.6% !

This Thursday may put in for that.

Today did online termination of the FD. So matured FD and interest will only show up 1 day after maturity. So terminate it and can only use ibg to transfer it out. UOB has no IBFT service.

Anyway thanks to one forumer who mentioned on UOB can terminate FD online.

By the way the FD was NOT placed online, it was OTC.

Should be all AmBank branch.

AmBank RM SMS info. So Penang also have the promo. Should be for all their branches.

Haha, are you comparing UOB PB centre with OCBC PB centre ? Then I would say OCBC PB centre wins hands down ! UOB PB centre ignoring that their PB centre is old, the staff there are probably old timers there. You know what I mean.

As the amount is small, also I want to combine that FD to another amt tomorrow, so I did not go to UOB to withdraw that FD. If I go on DAY of maturity, then it is no issue. But I tried the online uplift, so the principle with the interest only appear online one day later. CB's eFD will appear on the day of maturity. UOB's one is NG as one would lose one day interest. Except it is placed OTC and not online (UOB's one).

I have collected the Hugo Boss pen yesterday and see the leng lui there again. So my vote is still OCBC PB centre leng lui, best among the PB centres in Penang.

Finished your business at 3.02am but decided to delete the unsightly post ?

It does depends on branch to branch as well. @gsc and myself are in Penang.

Today went to AmBank to place for the 2 years 4.6%. Kept the previous 5 years 4.55% as found not worth to terminate it.

Surprisingly AmBank issuing of FD is faster nowadays. Kaotim in about 15 minutes. Used to be like 25 minutes to 40 minutes or so. But they changed so that FD cert no need signature from them. Last time need 2 signatures on the cert.

This post has been edited by bbgoat: Oct 22 2015, 06:43 PM