Affin promo will end in Dec 2015 or upon reaching quota, whichever comes 1st
Thus, it's a challenge for depositors to hunt for competitive int rate for short term FD

Maybank charged me RM5.83 for the cheque from FD maturity. Same charge applies when I withdrew from SA.



I doubt OCBC will extend the the promotional rate for existing account holders. Even if they extend the promo, probably only for new account holders. Take note that if you plan to withdraw in January over the counter, you will get lower interest for 3 days (0.5%) as the bank will only open on 4th Jan. Unless you are able to transfer out the funds online using IBFT. You can take out all the money & just leave back RM20 balance if you do not wish to close the account.


I read earlier from this forum that for Affin FD promo, 80% funds need to be placed for 15-months and 20% funds need to be placed for 1 or 2-months FD. Does that apply only to those who wish to take the 15-months FD promo or does it apply as well to those who wish to take 1-month or 2-months FD promos? If the latter is true as well, then one cannot take the short-term FD promo without taking the long-term 1 as well.

This post has been edited by Nom-el: Dec 13 2015, 04:03 PM

I don't know. In Penang, thats is what I get. It was even free before 2014. My relatives also got the same charges. I even got 3 BC split from the FD and paid 3X RM0.53 on the same day in Oct 2 mths ago.

For the PBB case that I mentioned, if I did not know, I would have paid about RM6 also.

So you may need to ask MBB on this.

This post has been edited by bbgoat: Dec 13 2015, 05:21 PM

better off just ibg it away

Big amount. Also if 53 cents, get the BC same as opening personal cheque. Cheaper than RENTAS. IBG have to worry about the timing (for smaller amt) if want to use cheque for another FD on the same day.

This post has been edited by bbgoat: Dec 13 2015, 07:42 PM

Based on earlier post, 80%/20% is for 15 mths FD

HLB till next month end. 6 months 4.5%. Interest credited monthly into savings. Min rm10k. Fresh fund. Pure FD. No investment catch

This post has been edited by sweetpea123: Dec 14 2015, 11:40 AM


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Step up or pure FD? If is really pure FD, HL have really outdone themselves. Effective rates for 1 year will be >4.5%!! first time a chinaman bank being so generous.

This post has been edited by Ramjade: Dec 14 2015, 11:41 AM

Not first time la. You are so ill-informed. Haha

Not really. I have followed them for a while and their rates are not competitive.

Remember there's a HL bank within walking distance. Of course I used to check their rates first and then only compare to other banks (why go so far if HL is offering the best rates in town?) They have never lived up to my expectations.

you are clearly very green cos many of us here enjoyed 5% from HLB few years back. So don't be such a smart Alec and claim to be so knowledgeable ..

and Sweetpea, thanks for info

This post has been edited by michaelho: Dec 14 2015, 11:53 AM

pipu need to restrain fm giving too generalised statement. "bank's bc is rm5", "hl bank fd rate ng" etc etc. misleading info.

Hahaha.. nice keep it coming..

But this HLB really kaninie me a bit.. after i swept a huge portion out of my HLB to alliance bank 6mths 4.25% in e-FD, then only he come 4.5%..

ARGHH!!!! Why HLB like to treat me like this one!!!

I still cannot find details info the 4.5% 6 month pure FD as posted.

I don't want go to the bank, only then being told it is a step up.

So anyone who got the info, please share the source of info. Ty.

which one is better for the unfixed deposit between CIMB and OCBC smart saver?
Cash need turnover every 3 months, cannot put into Fixed Doposit..
u guys got any brilliant idea?

you better off put it in monthly FD, in case of sudden withdrawal

I just called Hong Leong Bank customer contact center. Confirmed effective rate 4.5% pa 6 months.

Conventional or Islamic?

confirmed MBB Gia 4.5% 12 months still available. Just placed today. Didnt put HLB cos maturing FD is from HLB and they wanted fresh fund. If they come up with better rates later, can just withdraw from MBB since no penalty

Hlbb 4.5% 6 months promo valid until when?