Just curious..

When use personal cheque to place FD, they bank accept immediately ?

Or banker cheque only accept immediately?

Just wondering wad if the personal cheque got bounce out ? Haha

I was mentioning about personal cheque that MBB now accepts immediately.

I encountered personal cheque that had some signature issue, I was informed to provide another cheque & I think the FD date was revised also.

hehe, me think big bones is the real one. just trying to point to others. unless big bones is a fake?

This post has been edited by yygo: Dec 15 2015, 08:07 PM

no discussion on the public bank step up fd promo ?
really that bad ar ?
eyeing the galaxy tab.....

Galaxy tab is not related to FD promo also.... Open your eyes bigger

40k earmarked for 6 months ?
ok....

Yes, they will accept immediately even for personal cheque.

But you can see the FD placement T&C, there is always got a clause the FD validity is subjected to clearance of the cheque.
If the personal cheque is bounced, the placement will be automatically void and not valid at all.

Nowadays clearance of cheque is quite fast one.
Today you issue personal cheque of from your bank A account to place at Bank B FD, by tonight after 7 pm, the money in account bank A is debited already.

Banks accept both personal n banker cheq immediately

For HL Islamic FD, they will set FD effective date 2 days later. Though they would give you the cert on the same day.

This post has been edited by bbgoat: Dec 15 2015, 10:34 PM

I never say i am big oo. U all sendiri think i m big saja

Fd joke

Mr K : i want to place fd. Got wad promo now?
Staff : sir, the promo now is 4.5%, min placement is 10k for 1 year.

Mr K: hmm.. can i get slightly higher if i place big fund, say rm 2m
Staff : sir, cannot oo. This is promo rate very good already.
Mr K : cannot help me ask manager see see meh ? 4.53 i also happy one.
Staff : cannot la sir

Mr K : like this ah. Help me place 200 FD certs of 10k la..

Staff : hang on, i check with my manager

3 minutes later

Staff : ok la sir, my manager say giv u 4.52.. let u happy a bit.

Hehehehe

Wait a minute. Are the guy in the scenario given?

the story sounds very real. big bones big/ultra hnwi!

is this from a person who have been dreaming for high fd rates?

or

is from big bones real experience? :hehe:tai ko bones!

This post has been edited by yygo: Dec 16 2015, 08:38 AM

Tis means depositor need to forego initial 2 days int?

Yes, lose 2 days interests for HL Islamic FD. Luckily that time the 2 days interest lost still made up by their higher rate last year. So far I only encounter with HL Islamic having this issue, other banks Islamic FD no such issues. BR may ask you to come back to collect the FD cert but dated on day of placement.

It is very difficult to get bank cheque from UOB. I almost shouted at the bank officer in order to get bank cheque and it cost more than 68 cents (II can't remember the exact amount). Some says different branch charge different rate.

Which branch charges 68 cents?

Is FD joke lor... how can be me..
Haha

In Penang gsc and myself got 0.68 for UOB's BC. But gen-x in Klang Valley was charged few RM. So depends on where you are.

This post has been edited by bbgoat: Dec 16 2015, 09:20 AM

No problem to get BC from UOB Penang. The teller not even informed me, straight away deduct 68 sen from the BC. Brought the BC to HL bank and top up with 68 sen so that the FD amount is rounded up.

Dislike UOB service, must first fill up form by customer service then take number proceed to casher counter. They should just hire clerks to fill in the form instead of hiring the customer service staffs. ....already said no leng lui in Ocbc, some more assigned a batang RM

I think you may not have known that the counter tellers cannot process BC request unless the form is filled up by the customer service "clerk"

To those need 68 sen proof, can show the image to them

This post has been edited by gsc: Dec 16 2015, 01:43 PM


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