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Fixed Deposit Rates In Malaysia V. No.10, Please Read Post #1 & #2
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kimmo88
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 Oct 14 2015, 11:32 PM
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Thinking of eFD/eTD @ CIMB 3 months@4.0%
I do not have CIMB a/c which means I have to walk-in to open a savings account first and then apply CIMB clicks online account before I can start applying for eFD/eTD 3mths@4.0%? I read somewhere in this forum, this has to be applied/placement online as well.
Assuming TD/FD amt is 10k, after 3 mths I get 10,100 correct?
It's the highest eTD/eFD among all the banks and I like the convenience of applying and uplift online!
This post has been edited by kimmo88: Oct 14 2015, 11:53 PM
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kimmo88
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Oct 14 2015, 11:45 PM
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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? This post has been edited by kimmo88: Oct 15 2015, 02:02 AM |
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kimmo88
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Oct 15 2015, 08:59 PM
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QUOTE(Human Nature @ Oct 15 2015, 07:38 PM) 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) Another alternative option to bc is to do online IBG transfer 0.11cents per transfer? Much cheaper than bc.  |
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kimmo88
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Oct 16 2015, 03:10 PM
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QUOTE(yygo @ Oct 16 2015, 09:22 AM) provided instruction to bank is into sa after maturity, fund <10k. most bank ibg/ibft <10k/day. if >10k susah lah.  You can change the daily limit to higher amount. For instance, UOB daily limit is 50k. |
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kimmo88
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Oct 16 2015, 03:11 PM
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QUOTE(lowya @ Oct 16 2015, 11:40 AM) Is there any bank that upon closing of FD exactly on maturity date claims that final interest will not be paid unless uplift on maturity date + 1 day. I think this bank is trying to spin some story here. If no, then I am about to reveal an underhanded practise of a bank that does that exactly to theit FD customer. UOB FD is also maturity date + 1 day. |
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kimmo88
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Oct 16 2015, 03:15 PM
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QUOTE(Human Nature @ Oct 15 2015, 07:38 PM) 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) I just found out from calling UOB that uplifting of FD can be done online as well, no need to walk-in to branch. UOB FD is maturity date + 1 day. And if you do IBG online banking, the daily limit can be set to 50k. This post has been edited by kimmo88: Oct 16 2015, 03:16 PM |
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kimmo88
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Oct 16 2015, 03:21 PM
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Anyone experience this before with CIMB? I walk-in today around 2.30pm to open a savings account and the officer in charge told me to come back another day cause they stop taking in new applications for the day? Is it because it's a friday or is it a norm practice by banks?
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kimmo88
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Oct 16 2015, 04:39 PM
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QUOTE(Human Nature @ Oct 16 2015, 04:34 PM) UOB FD maturity is on the day itself. maybe +1 day only for online upliftment. ---- just returned from ocbc, their process is really taxing. took 1 hr 20 mins for placement. cost me rm4 parking. Yeah, you may be right, I checked online on the day of maturity, no changes until the next day. So, I assumed it is maturity date + 1 day. Possibly, you can withdraw/uplift on the date of maturity via walk-in. |
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kimmo88
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Oct 16 2015, 06:03 PM
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kimmo88
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Oct 16 2015, 07:13 PM
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QUOTE(cklimm @ Oct 16 2015, 06:29 PM) there's a reason for that Campaign Period: 1st September - 30th September 2015 or upon reaching the overall campaign limit, whichever is earlier. You have sharp eye sight!  |
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kimmo88
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Oct 18 2015, 03:32 PM
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For banks require fresh funds for fd promo, is this consider fresh funds?
BankA fd matured, withdraw and put in bankB for 3mths fd. After 3 mths, put back in bankA.
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kimmo88
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Oct 21 2015, 01:48 PM
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QUOTE(wil-i-am @ Oct 21 2015, 11:25 AM) Alliance Bank offers:- a. 6 mths ATD-i @ 4.05% b. 9 mths ATD-i @ 4.15% T&C includes fresh funds n min RM10k |
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kimmo88
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Oct 26 2015, 08:00 PM
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QUOTE(??!! @ Oct 26 2015, 09:44 AM) The CIMB 3 months 4% promo seems to apply for over the counter placement as well. Have done it twice the past 2 weeks. Are you sure? Website actually says online only. Maybe there is exception to the T&C. |
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kimmo88
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Oct 28 2015, 08:52 PM
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QUOTE(wil-i-am @ Oct 27 2015, 10:29 PM) Check with CIMB Bank today They dun have such promo right now I applied online. Promo until end of Oct. |
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