hi, new to this thread, is any bank have promotion on online efd rate? Or all online efd have same rate?

Thanks in advance

of cos no one's perfect. If unsure, dont answer . That's the unspoken rule here

wah ... how much deposit with BR to receive this gift??

This post has been edited by TSOM: Feb 5 2016, 05:30 AM

okay thanks will go and do this morning

call branch to ask lo.. our rights ma..

for my area here 100k receive 1 hampers .. 300k receive 2 hampers dinner lucky draws calendar

what does the hamper contain??

100k must be in 1 FD or can be in multiple FDs?

the hamper is a personal gift from the individual branch, or from from HQ??

the hampers i haven't take it yet as i yet go to branch.. will go this morning

for me it's in 1 FD.. not so sure about multiple FDs

maybe u can call ur branch and ask what gifts and update us here

diff branch diff gifts diff limit

i see 3 cans of goodies there.
abalone kah?

i must be doing something seriously wrong.

islamic fd wats the diff ya? sorry noobie

BoomChaCha, thanks for the picture. Do u need to open an acct with Affin if u r not their customer be4? as in savings so that the interest can be deposited? Thanks!

Happy CNY in advance all!

Honestly, I don't know.

I asked them if it was pure fd. They replied yes.

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This post has been edited by ftan: Feb 5 2016, 09:33 AM

You're back

Usually is there's no promo for eFD. There are exceptions like alliance bank EFD. Recently HLB Mach (no more). Cimb have efd promos every now and then.

You have lowered down deposits there ? But I think you mentioned you still have substantial deposits there ?

But other states (other than Penang) seems to be giving out better gifts. BR may be planning a surprise for you.

BR looks at total deposits. They don't care it is in 1 cert or not. I was shown a list by BR in terms of those eligible (just a flash no names seem). They list down by total deposits. Penang side my branch 300k and above. But it depends on branch and how many rich depositors. Each branch has their budget to fill.

This post has been edited by bbgoat: Feb 5 2016, 08:42 AM

oh, thanks for the info. Then need to find the not-so-popular branch.

but the hamper, what's in it? Got abalone or something expensive?

and how often do they give out hamper?? how many times per year?

Diff branch diff gifts. CNY gift for Chinese, Raya makan makan, hotel high tea etc.

really big players here lol

OK, reporting on MBB GIA-i interest. If I calculate using 366 days, then it is exactly 4%. So far I saw one bank using 365 days, some others using 366 days for Jan 2016 interest. So not sure MBB using 365 or 366 days for 2016 interest.

This post has been edited by bbgoat: Feb 5 2016, 09:50 AM

It is guaranteed by the government as stated in Akta Bank Simpanan Nasional 1974, seksyen 20 Gerenti Kerajaan
Here is the link to the Akta

Also received Mach 4.5% FD interest. HL is using 365 days as a base for interest calculation.