Wa, you guys are fast. Anyway today I did go into the MBB 12 mth 4.5% deal. 

What are the TnC to get this pen? Any website link?

Am Bank FD Promo
(1) 2 months 3.7% - end Nov
(2) 5 months 4.0% - end Nov
(3) 12 months 4.2% - end Nov
(4) 5 years 4.55% with semi annual interest - end Oct

All min RM 10k

For (3) & (4), 50 years old and above can get monthly interest

Gift received from HL on the FD placement made last week. 15 mth eff rate 4.26%. 

Not competitive as effective rate is 4.15% for 12 mths FD

don't quite understand how it works.

say deposit of RM100k
1 year RM100k x 4.55% = 4550
if interest is paid semi annual, then 2275 paid half yearly?
so is 2275 being added back to RM100k for a slightly bigger payout end of the full year?

and what happen when the guy exit after say 2 years?
confusing with these promo.

FD/IFD-i Countdown 3 [ MBB | T&Cs (Conventional) | T&Cs (Islamic) ]
5 October 2015 - 31 October 2015

Deposit now for greater returns on your 3-month Fixed Deposit. This offer is applicable for fresh fund placements made over the counter at any Maybank and Maybank Islamic Branches in Malaysia.

3 months Step-up
1st and 2nd month @ 3.60% p.a.
3rd month @ 4.60% p.a.

Effective rate 3.93% p.a.

CORRECTION!

Effective rate 3.93% p.a. FOR 3 MONTHS!

Time to go APR (effective rates for 12 months)!
oh oh....here we go again....

how they calculate the deduction of premature uplifting?

MBB 12month  GIA-i done, the officer told me for this promotion the interest rate is "guaranteed" as promised ie at 4.5% effective rate. i mean likely we will be paid that rate till end of 12months. the statement capital not guanranteed can be ignored she said.

I feel assured, so can place more tomorrow.

Hi Sifu those credited interest monthly to CASA can I withdraw them?

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

Anybody wrote this letter? 

Fixed deposition calculation rate differs:
http://www.thestar.com.my/Opinion/Letters/...n-rate-differs/

Just back from SCB Kepong, I seen an unker grilling the girls there for not giving him the weekends interest, which his FD matured last weekend.

Whats the Bank Negara ruling on the weekend matured FD actually?

if he is a student, should study more. insterad of studying fd, asnb in forums

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

Anyone on UOB FD? Once the FD reaching maturity, do I have inform the bank prior to the maturity date? I cannot seem to do anything on their online banking website. Do I have to go to the branch on the 'exact day' of maturity date to uplift the FD? Do I have to bring the FD statement issued (no cert given) to me when I apply/placement for the FD or my IC will do? How much do they charge for the bankers cheque(bc)? UOB is not on the MEPs list for free instant bank transfer so I would need a bc.

Anyone using CIMB 'kwik' account for the purpose of eFD placement online? CIMB 'kwik' account can be applied online!

Anyone can share their experience - CIMB 'kwik' account vs basic savings account I esp. hidden charges/annual fees?