Sorry a bit off topic
When bank normally charge this rm8 fee ah?
I was looking thru my RHB 2015 statement and didnt see this rm8 deduction
I rmb in 2014 got thia deduction when I just opened acc and apply for debit card

On the date your account is created. Sometimes the banks don't charge. Like in my case, I have 4 years of free bank account. Some where this year kena charge. Straight went to Maybank and change to free for life account. No way I am going to let them charge me Rm8+ next year. Once enough.

You can asked for refund by visiting your home branch (where you open that SA). But I didn't as that incident happened about 4 months back. This is for Maybank. Other bank ask the staff.

Called to AmBank ABM to enquire on their FD promo for Jan 2016. She quoted me the below:

6 mth 4.08%
1 yr 4.18%

min 20k.

That is not a good rate ! So AmBank has collected enough during their last promo of 2 yrs 4.6% ??

i opened mach without atm or debit card. all banks allow you to open an account without any card, but the staff on the ground may lack experience and decide against it.

there are channels for lodging complaints, so do make full use of it.

Ipoh side also charge RM0.68 only for FD upliftment through banker's cheque.



1) AmBank TRUE Savers - 2.8% p.a. flat (3-withdrawal limit per month)

2) UOB eAccount - 2.78% p.a. (for balances exceeding RM20K)

3) OCBC SmartSavers - Up to 3.05% p.a. (deposit RM1000 + no withdrawal in a month)
- Only useful when you withdraw early in the following month or subsequent months

4) OCBC 360 - Up to 4.1% p.a. for 1st RM100K monthly average balance (deposit RM500 + 3 online bill payment + credit card spend rm500)
- Deposit min RM500 in a month alone can still get 1.7% p.a. for 1st RM100K monthly average balance (0.5% + 1.2%)

5) HLB Pay & Save - Up to 3.5% p.a. (many terms & conditions to fulfill)
- This is the one of the most complicated account but it is one of the best current account in the market. If you have a large amount & willing to perform the listed number of online transactions & debit card swipes, then the rate is very good. Since it is quite complicated, it is quite difficult to fully optimize the account to get the maximum rate. Even if you do not perform all the listed transactions, you will still get some bonus interest depending on how many transactions you performed in a month.

Had encountered this problem of fresh fund ( IBG from another bank ).
A "no" from the customer service officer but a "yes" from the counter officer.
Told them to settle the problem among themselves or I will walk out to another bank next few doors away.

Finally, IBG within 3 days are consider as fresh fund.

Yes, not a good rate, expect at least 4.5% for a year or at least 4.2% for 6 months.
Looks like I have to switch bank again, AmBank FD matured early Jan 2016.

Read page 1 for answer

You miss maybank q-cash but needs min rm50k. No rm50k, no talk.

Yes, few banks gave lower BC charges if fund is from FD. MBB, PBB etc.

Have you clarified on this ?

This post has been edited by bbgoat: Dec 31 2015, 05:18 PM

jus got mine done with OCBC 4.5% at the very last min jus now...
Luckily they still accept...

Hi all,
Noob question here. What's the difference between a bank draft and a banker cheque? A friend said HLB staff told her bank draft fee is about RM2 whereas fee for banker cheque is RM6.

Hmm, just to add on. When I placed fd with hlb this week, they opened a basic savings account for me (with passbook and no atm card). Deposit $20. The process was quite fast as the same counter person did for me everything.

He is unable to confirm when I asked on the fee for pure FD upliftment so he will get back to me on Monday. I further tell him that the figures in the first email are very specific ie.

Cheque processing fee - RM0.50 + RM0.03(gst)
Stamp duty RM0.15

so where did the CS pluck this numbers from. Coincidentally, I have one UOB FD maturing on the coming Tuesday. So if he doesn't come back with a reply on Monday, I will continue to pay what I have in black and white.

So north of Klang Valley, we are getting cheaper BC ?

I mentioned before that Penang side I have paid only for UOB BC Stamp duty RM0.15. Then the cheque processing fee and gst comes in to make it RM0.68.

Which bank is this (3 days as fresh fund) ?
Just for record here, OCBC and UOB consider 7 days

Yeah, so there must be a memo somewhere that the CS copy paste from.

Maybank “Profit Now! Account-i (PNA-i) 9” Campaign - 9 months @ 4.22% p.a.
22 Dec 2015 – 22 Jan 2016

Maybank | Terms and Conditions Apply

Still can't beat Alliance Bank (AB) @ 4.35%
The only consolation is lower sum of RM10k -v- RM25k by AB

this mth not mood fd promo on mbb....
all fund will go to hl promo..

This post has been edited by poor man: Dec 31 2015, 10:35 PM