You did the re-activation in the MACH branch or through online like me ?

The 6 mths must have activity is tighter than most banks 12 mth for SA. Not sure you read what I have mentioned when Top Flo asked about re-activation of her MACH acct.

I was lucky that after I clicked the reactivation online, then xfer'ed new fund, their CS called me. But Top Flo ended up has to visit the MACH branch to re-activate her acct. No reactivation fee involved.

I never used any of the features of Moneybox. Only one that I used is the placement of an FD last week after 6pm. So it is convenient in a way.

Oh, oh, you did not pledge using the one Mach FD ?

I once used CB FD to pledge for OD. Then I realized that I just got the board rate for years and lose out on the interest. Something like RMx00 per year. Also hardly using the OD. So cancelled the OD and moved the FD out to get the promo rates in other banks.

CB very daring in reducing the FD rates ! But anyway they are not looking so much into FD's. I have been their loyal customer for years. They are even increasing the AUM for Citigold to 350k !

I agreed with what you said. The way it goes, other than, HL/MACH, UOB, RHB having relatively high FD promo at 4.5/4.4; other banks promo are reducing. So I intend to grab UOB and maybe RHB's FD promo ASAP. Before they goes away !

Also thinking about BR's 2 years 4.45% that was mentioned by one forummer. If other promo's goes away.

This post has been edited by bbgoat: Jan 14 2016, 11:35 AM

Yes ! I think it is good to grab longer term tenure like RHB's 15 mth 4.4% or UOB's 12 mth 4.4% before they goes away !

Just came to mind, to commit another self contribution to EPF next week !

Getting higher returns than from FD.

Then either RHB, UOB 4.4%, but unsure yet which one of them.

This post has been edited by bbgoat: Jan 14 2016, 01:53 PM

Oh, so confirmed that OCBC BC is free ?

You guys have long discussion on using of cheque. I use combination of cheque, ibg, IBFT, Rentas depending on the situation. Rentas fee is typically higher than BC. But it has the use when not all the fund will go into next FD. i.e. half to FD, half stay in the acct for other use.

Anyway I think we use what suits us most. Just like we place FD in particular banks not necessary because it has the highest rate.

This post has been edited by bbgoat: Jan 15 2016, 06:26 PM

I found HSBC online log in to be the most troublesome. It has 2 layers of log on. Using password (for some login features only) and using security device (which generate random password/digits). For some transaction, you are asked to press the security device again.

https://www.hsbc.com.my/1/2/personal-bankin...nternet-banking

When I called to OCBC PB centre on 4/1, was told also that the promo until 31/1. Looks like they have extended it.

Not aware of that though I am their PB customer. So you are invited through phone, letter, email or when you were at the counter ?

BSN 12 mth 4.5% looks good. Have no experience with them but have heard some problems. How is their system and service level ?

Saw their promo:

http://www.mybsn.com.my/content.xhtml?contentId=737

Thanks !

So confirmed OCBC extended the FD offer till end April. But bad news for those waiting for FD promo to go beyond 4.5% for 1 year. Looks like OCBC is confident with the offer and extended it to end April for 15 mth 4.3%. UOB's 4.4% will end this January.

Hesitating on UOB, RHB and now with BSN coming into play. Planning for next week's action !

Asking Mr Lim, have you decided yet for the million eggs on 11/2 ??

This post has been edited by bbgoat: Jan 15 2016, 08:27 PM

Save the earth, boss ! Or do charity to lighten your load of certs !

So you are going tomorrow to Kelawai branch ?

OIC,that is your defination of free, caught by you. Ya, should have realized that minimum RM0.53 cannot escape one. Hahaha.

This post has been edited by bbgoat: Jan 15 2016, 10:36 PM

Thanks !

Have also bought their saving certificate. That is the one that they offer monthly draws, right ? Dream of getting their big prizes never came, did get RM200 draw prize after years.

Agreed. Last time they have comparable rate with other banks, but I stayed away from them. This time they looked like the best deal for 1 year. Have enough eggs in HL already (still admire the 1 cert of some big boss here ). So considering BSN, UOB and RHB for next week's actions !

This post has been edited by bbgoat: Jan 16 2016, 07:47 AM

Thanks !

So it looks like another people related type of thing. Some branch may have better service than others.

Thanks !

Ya, I bought the saving cert from Mcalister Rd. It is big but not impressed with the speed of service. Will check out the Sg Nibong one. I think it is next to Ayamas branch ?

Called to BR ABM on my FD that is maturing on Thursday. Asked for 1 year 4.65%, he said will check with KL and let me know by tomorrow.

So looks like even matured FD can still ask for a higher rate, for a relatively large fund size. Not so much interested on the 2 years 4.55%.

Lets see by tomorrow.

I called to HL branch service manager, she told me did not receive email on this yet. But she seemed to warn that may be full (reach target) soon.

Have been considering HL, BSN as my next target. Though if BR can give me the rate I asked, then stay put there.

This post has been edited by bbgoat: Jan 19 2016, 10:45 AM

6 figure sum. But not 7 figure like one big boss shown.

Minimum fund for BR for nego rate is 50k, 100k, depending on their need for fund. Then the higher the amt the better your chances of getting better nego rate.

I may not get the rate I asked as currently 2 years 4.55% is their promo. But lets see tomorrow.

This post has been edited by bbgoat: Jan 19 2016, 11:12 AM

The cert can split for the FD sum. See my below reply which I edited before your post: