Wow.. my fren, tat is a bad experience by you with hlb. Looks like the HLB staff in bukit tinggi is rather blur. There is no such thing as opening a saving acc with them in order to place.

I did it like your style. I cash out my alliance with banker cheque at MV costing me almost rm3. Then i went to HLB at MV also to do it. My main branch is not at MV, and i am only requested to open a FD acc with HLB MV branch, not saving acc. So the Monthly interest will be bank into my saving acc which is opened at KL Main.

My FD placement is quite fast. Took me maybe 10 to 15min from going in to branch, fill up FD acc opening form and placement. But i used their HLB greenlane service, so no nid queue

After reading the postings here, decided that HLB 4.5% was the FD to get since my SCB 15mth FD matured today. So hurriedly I uplift my SCB FD and proceed to HLB Bkt Tinggi, Klang branch which was near my office. The HLB branch there was quite busy with many people. My turn came and I proceeded to inform the counter girl that I want to place FD on the promotional 4.5% rate for 6 months. The counter girl ask if I have a saving account with the branch, I say no but I do have a a savings account with another branch. She says cannot, I have to open another account with the branch in order for me to place the FD. I need to take another que number to open the account. Got fedup, took my money and proceeded to Affin Bank. There I was greeted like an old friend, attended to immediately by a middle age lady (no leng lui here...sigh) and she proceed to explain to me on the promotional rate of 4.6% where by 20% of it need to be placed in either a 1 month (4.05%), 2 months (4.10%) or 3 months (4.3%) FD while the balance 80% will enjoy the 4.6% pa interest. She advised me to take up the 3 months FD @ 4.3%. After making some rough calculations, the first 3 months interest came out more that than the HLB 4.5% FD (3 months period). After that, I can take the 20% and find other FD to put (hopefully can find a better rate) while the balance 80% can enjoy the 4.6% interest.
I find that the customer service experience at Affin bank so much more better, we are really being treated as customers instead of being treated like livestocks at HLB.

Your were lucky to have your placement without fuss at HLB.

But to me, it might be blessing in disguise as maybe after 3 months, when my 20% placement matures, there might be better FD rates for me to take advantage of.
But I have to take my hat off to the Affin Bank service. Even if it is a FD, savings or current account, it is done be the same officer who is serving you. There is no need to queue for individual type of account. But then again, there isn't much of traffic volume in the bank, hence they can afford to do it this way.

After reading the postings here, decided that HLB 4.5% was the FD to get since my SCB 15mth FD matured today. So hurriedly I uplift my SCB FD and proceed to HLB Bkt Tinggi, Klang branch which was near my office. The HLB branch there was quite busy with many people. My turn came and I proceeded to inform the counter girl that I want to place FD on the promotional 4.5% rate for 6 months. The counter girl ask if I have a saving account with the branch, I say no but I do have a a savings account with another branch. She says cannot, I have to open another account with the branch in order for me to place the FD. I need to take another que number to open the account. Got fedup, took my money and proceeded to Affin Bank. There I was greeted like an old friend, attended to immediately by a middle age lady (no leng lui here...sigh) and she proceed to explain to me on the promotional rate of 4.6% where by 20% of it need to be placed in either a 1 month (4.05%), 2 months (4.10%) or 3 months (4.3%) FD while the balance 80% will enjoy the 4.6% pa interest. She advised me to take up the 3 months FD @ 4.3%. After making some rough calculations, the first 3 months interest came out more that than the HLB 4.5% FD (3 months period). After that, I can take the 20% and find other FD to put (hopefully can find a better rate) while the balance 80% can enjoy the 4.6% interest.
I find that the customer service experience at Affin bank so much more better, we are really being treated as customers instead of being treated like livestocks at HLB.

Let's calibrate our eyeballs. Look at BCC Ocbc leng lui photo, is your leng lui better looking than that?

The gold price has came down but still much higher than before RM depreciated....US interest rate up again, gold will continue going down

Analyst said next year OPR remain in 2016....

http://www.propertyguru.com.my/property-ne...m_content=links

Bought a Cashiers Order. SCB charged me RM2.80 for it.

That's HLB is like that. Wait damn long.

Glad you like affin bank. Told you guys is like vip service without the need to have any "priority status" with them.

Let's calibrate our eyeballs. Look at BCC Ocbc leng lui photo, is your leng lui better looking than that?

How come you miss that post ? I already mentioned after Ah Boom posted it ! Or you have forgotten about what I wrote ?   Check it out ! 

After reading the postings here, decided that HLB 4.5% was the FD to get since my SCB 15mth FD matured today. So hurriedly I uplift my SCB FD and proceed to HLB Bkt Tinggi, Klang branch which was near my office. The HLB branch there was quite busy with many people. My turn came and I proceeded to inform the counter girl that I want to place FD on the promotional 4.5% rate for 6 months. The counter girl ask if I have a saving account with the branch, I say no but I do have a a savings account with another branch. She says cannot, I have to open another account with the branch in order for me to place the FD. I need to take another que number to open the account. Got fedup, took my money and proceeded to Affin Bank. There I was greeted like an old friend, attended to immediately by a middle age lady (no leng lui here...sigh) and she proceed to explain to me on the promotional rate of 4.6% where by 20% of it need to be placed in either a 1 month (4.05%), 2 months (4.10%) or 3 months (4.3%) FD while the balance 80% will enjoy the 4.6% pa interest. She advised me to take up the 3 months FD @ 4.3%. After making some rough calculations, the first 3 months interest came out more that than the HLB 4.5% FD (3 months period). After that, I can take the 20% and find other FD to put (hopefully can find a better rate) while the balance 80% can enjoy the 4.6% interest.
I find that the customer service experience at Affin bank so much more better, we are really being treated as customers instead of being treated like livestocks at HLB.

They dont want to open FD for you using your existing saving account because that saving account is registered under other branch, if they proceed to open for you, the FD placement will be registered under the branch from your saving account, not under their branch. So they dont want to waste their time and energy for you.

I encountered the same with public bank. I placed once before at different branch and on the FD slip, its stated that the placement is made under my saving acc's branch, not where the branch i placed. Go back again to place some more after that, they dont let anymore.

They dont want to open FD for you using your existing saving account because that saving account is registered under other branch, if they proceed to open for you, the FD placement will be registered under the branch from your saving account, not under their branch. So they dont want to waste their time and energy for you.

I encountered the same with public bank. I placed once before at different branch and on the FD slip, its stated that the placement is made under my saving acc's branch, not where the branch i placed. Go back again to place some more after that, they dont let anymore.

U are wrong in this.

I confirm with the staff when placing the fund woth HLB MV branch.

I told the staff that i already got existing FD acc at jalan perak HLB Main, why do you still need me to open a FD acc here ?

The staff told me that when they open the FD acc here, the money recorded in the FD acc is counted as this branch (MV branch). So it will be their so called "performance"

It is not true that you need to open a saving acc at different branch. Now my ebanking hlb connect show 2 FD acc. 1 from main branch, 1 from MV branch.

U are wrong in this.

I confirm with the staff when placing the fund woth HLB MV branch.

I told the staff that i already got existing FD acc at jalan perak HLB Main, why do you still need me to open a FD acc here ?

The staff told me that when they open the FD acc here, the money recorded in the FD acc is counted as this branch (MV branch). So it will be their so called "performance"

It is not true that you need to open a saving acc at different branch. Now my ebanking hlb connect show 2 FD acc. 1 from main branch, 1 from MV branch.

Just a little info on HLB. You can only uplift the money from the  branch you place your FD. Kena once before. Place a fd in KL. Upon maturity, told me cannot remove from Klang. Need to go back original branch

Nope. Ambank is still my go to bank for SA (no banks giving >2.8% interest for SA yet without complicated terms. Still waiting.)

Affin was my favourite depositing place for FDs. Just left a few more cert with them. Should be able to move everything out by year end next year. Totally no certs with HLB at all due to their past pathetic rates.

Come on. All fD certs need you go back to the branch you place to withdraw one la..

I might be wrong with HLB, but this is how it works for public bank based on my experience.

Based on my recent encounter, looks like HLB dont practice like how PBB do..

I wont say i am right or wrong either, but i did it without any problem.

I think either
- the staff dunno and simply cakap
- branch too many people and purposely make u mafan and go other place

Human Nature, he got cashiers order from SCB ? 

OT, Say one have a SA with bank A open at KL. Then that person goes Johor, can he open another same SA with bank A at Johor? This holding 2 same SA from bank A but from different place.