HL bank only
Conventiinal FD is certificate like Public bank, loss certificate charges RM20.
Islamic FD is statement based like Ocbc.

6 %! 4.5% is certificate.

Looking back, Am Bank earlier promo of 4.6% for 2 years has helped Am bank secured the cash they needs. Am bank was fined by BNM RM 53.7 millions.

http://www.thestar.com.my/business/busines...gara/?style=biz

The news said that ambank was fined for breach of certain regulations. It didn't mention the breach was cause by the 4.6% promo.

bro, student, read the post again/carefully!

The statement made it sound like that. Or is it the promo help them to collect the cash required to pay the fine?

have to read and understand statements. college books should be more difficult to understand than his statement.

dun shoot too fast.

doesnt matter la. gsc's comment could just be a conjecture anyway.

if we keep commenting over and over something that is not official, this would turn into /k/.

That green guy does not know the sequence...just like he said 6 months 4.5%, 1 year is more than 4.5%. Some more try o deviate on his original point....yesterday went UOB, banker cheque is 68 sen. Hope he will remember

This post has been edited by gsc: Dec 15 2015, 08:26 PM

Yes, I also confirmed MBB GIA 4.5% effective rate is still on.

I also noticed an improvement that when opening using cheque, the FD slip is given on the same day unlike previous promotions where the cheque needs to be cleared first.

Also, during the earlier opening of MBB GIA, fresh funds not required, I could just convert my matured MBB FD to it.

uob bc is 68 cent for normal and even pb customer.

it seems diff mbb branch practice differently. some mbb branch will just give out fd cert on same day while others say wait for cheque to clear.

Bro, 4.5% p.a for 6 months. Monthly interest credited. By having a say ambank truesavers earning you 2.8% on the interest credited by HL, at the end of the 6 months, you will get more than the effective rates given by HL.

So if you have a same promo which gives 4.5% after that 6 months promo, your effective rates will be more than 4.5% with combination of ambank truesavers. Or you need me to give an example?

Wow bagus.. looks like u can start apply job for media

The current political state will be entertaining enuf

Haha

So back to business, you got put hlb anot ? Faster la, if not bbgoat will sailang liao de la..

That was what I encountered previously for previous promotions, they even said bank in to my savings account & clear it first then go back in 2 days time to open the FD.

Correct, I think some branches don't like to promote GIA. Last month I think, one branch told me it ended but when I went another branch, it says still on so always need to get 2nd opinion.

UOB BC at my branch was over 2.15 before GST previously even though I pointed out that some branches are charging lower. No standard one.

no $$ unlike ultra hnwi have put six (sexy) figure and have some more at hand.

i think bbgoat cannot compare with this ultra hnwi.

Inconsistent even among same bank branches.

Last time it was said UOB Penang branch charge differently than those in Klang Valley for banker's cheque. I am their PB but still pay RM0.68 for BC.

I supposed each branch have their own SOP

Not suppose to. It beats me esp for big companies should have SOP across the board. Deviations in implementation or sometimes information breaks down.

Bbgoat uob PB = rm500k min...

Dun play play... bbgoat big ka

Exactly, nvm him la. Always wanna be 'lek ng cit' We were talking abt HLB, then suddenly said AMBG in his later post . Aku pun malas nak layan.



MBB if use cheque to place FD after 4pm consider next day, kena before