if he adds another two zeros, maybe. 200k is chicken feet to some of that taikors here

*scoff* I have 1kk of chicken feet maturing Feb, what shall I do with them?

he he he, taikor, send to my bank account please.

taikor kim (oops lim), 1m to u is chicken feet. give us la then we put into fd.

sorry. answered found. just want to check, this means by placement being done online, they can't verify the fresh fund thing, correct?

This post has been edited by adele123: Jan 12 2016, 09:15 AM

I think if the system detected your fund is not fresh fund, the placement of FD will be cancelled and your fund will be reverted to your money box account.

fd promo slowing down? no more new ones?

anyone has CNY Promo FD news ??

Read page 1

i went to branch

still awaiting for Public bank FD Promo ... if im not mistaken last year promo is great

The 6+6 , 4.3% still got.

ok thx

It was extended till 31/1/2016

As I know, Mach promotion FD 4.5% for 6 months does not include any mention of "fresh fund".
The promotional FD 4.5% at HLB branch over the counter does include the criteria of fresh fund.

don't be silly, their system is not so advanced to trace whether your fund is fresh or not

You should read the T&C properly at https://www.machbyhongleongbank.com/assets/...-450-tnc-en.pdf. Here is the screenshot for your reference


Attached thumbnail(s)

When HLB 4.5% pa for 6 month promo first start at around mid December 2015, it was reported by forummers here that placement to HLB MACH FD accounts required to be done by cheques and not online. Explaination given by bank staff is because of this "fresh fund" thingly requirement.

Early January, one of the forummer point out that placement via online for HLB MACH FD a/c is available online. Maybe HLB had done away this fresh fund requirement. Or maybe not.

In the placement screen, HLB clearly mention in order to be eligible for the promo 4.5%, the customer total promo FD should not exceed 5M etc. Highlighted in bold and underlined and properly mentioned etc. Somehow, they did not mentioned about the placement need fresh fund along with the 5M restriction in the placement screen.

Noted that there is a T&C on this Mach FD promotion. Thanks for pointing it out.

if their system accepts your placement, then it is allowed.

be overparanoid and you will miss out

When you mentioned .... "Without MACH, you can only place over the counter to enjoy 6 months @ 4.5%", does it mean as long as I have a normal Saving Account I am eligible for the 4.5% p.a. (6-months)?

Originally I wanted to do placement at Public Bank (4.1% 1st 6months + 4.5% 2nd 6months, average 4.3% for 12-months) but this HLB 4.5% looks more attractive.

What he meant is without Mach, your only option is placement at normal Hong Leong bank which requires rm10k fresh fund over the counter.
If you have moneybox with Mach, you can place online which doesn't require rm10k fresh fund. No need to visit the bank. Online placement.