Thanks.
So means I just have to walk in to the Mach branch, then they need RM50 to open the Money Box, and right after, I just need IBG in money, and can choose the promo FD in the e-FD list?

Yup. You'll have to open a Mach FD account, which can be done online on the HLB connect website.
Then you can start placing Mach FDs in that FD account.

cybpsych let us know your MBB GIA-i interest for Dec month. Should be in few days time. I think it will be less by few cents (depending on your placement amt) as I mentioned earlier. 

btw, the OCBC e-smartsaver is 3.9% now??

must deposit some money there every month also?

there are few ways for you to find out new/upcoming promos, if any:

1) read the pages in this topic. yes, read all if you want to know all. or do a quick [Search].

2) if no info found, wait for few more days for others to post updates in the forum. ppl voluntering updates here as and when they visited the bank (either for fd upliftment, other banking activities, or purely simply asking).

3) if cannot wait, try searching the bank's website. they could've silently update without us knowing, yet; or their update is slow (usually few days to weeks to get it published on website).

3) if still cannot wait, call or visit the bank yourself. Then you can share the updates here for others' reference.

rinse and repeat. that's how forumers here found out info and share with us.

Hi!, any idea what's the promotional FD Rates (12-months) by OCBC, Public Bank & MayBank?

Correct me if I am wrong but I got the following rate from ringgitplus.com website but not sure whether they are the current promotional rates ...

OCBC ...................... 4.3% (15-months)
Public Bank .............. 4.3% (12-months)
Maybank .................. 4.5% (12-months step-up from 4%~6%)

Thanks!

You will be surprised how many people never read page 1

here's the website and full T&Cs for HLB Festive FD: 6-month @ 4.50% p.a.

HLB | T&Cs (EN) | T&Cs (BM) | T&Cs (CN)

understand that Hong Leong Bank Promo 6 mths 4.5 (fresh fund)

cybpsych let us know your MBB GIA-i interest for Dec month. Should be in few days time. I think it will be less by few cents (depending on your placement amt) as I mentioned earlier. 

Guys. Still remember the gia by mbb? Hows the dividend for the first month? I forgot to follow up. I try to calculate but cant get the 4% pa.

how much does the extra 0.0003% worth in Ringgit?

As mentioned I calculated to be 3.998% based on 31 days over 365 days (simple calculation without taking into acct of 366 days this year).

But the other 2 months are pure 4%. But I did not really look to the 4th decimal point ! 

correct me since the calc differ due to probably some administration fees involved.

lets say I have a house loan setting at 4.3% based on current BLR (old loan) would it be feasible to take out the cash that I deposited to offset the interest and dumped it all to HLB as it's earning @ 4.5%?

thanks, im new to FD

after 6 mths, how's the fd market become?

better go for 4.3 for 12mths or 4.5 for 6 mths then with uncertainty of 2nd half of 2016?

no reactivation fee, bro.

Only one cert one FD placement. Some banks are statement based. No cert to collect. I peronally prefer statement based coz bank charges for missing cert. Public bank charges RM10. HL staff told me HL bank charges more than RM10. Exact amount not sure. But HL bank Islamc FD is statement based.

You renew upon maturity not monthly. Most people here will not want to renew monthly because the rate will be board rate.

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.

huh what did I do wrong ? Please don't fire me

Anyway guys, I'm still waiting for any 3 months tenure FD promo that has min 5% like HSBC did last year

When I was his age (18 years old) I know that one will not get 3.x returns in a month for FD and I had no one to tell me that (I do not know how to calculate effective interest back then). Some more common sense will tell you getting 4.x%/month? Like that banks sure bankrupt already. Sometimes you need to be frank. Anyway, better stop here before being OT.

Yes...PB is certificate based and it is still required. I have misplaced two certs and still couldn't find them. But PB still send the statement update quarterly.