If u have existing HLB acc, mach is Foc.. just go to mach branch and open money box. Ur atm / debit card from hlb conventional can access money box. So consider free.

If u dun have existing hlb acc, then i think it is compulsory to take their debit card.
As for annual fee, i am not so sure. Maybe u use 12time and annual fee waive ? Haha

Oh i see..

Haha.. cuz usually i will just take the debit card for all the bank i open acc with.. so never really go thru the no debit card process

The basic saving account in MACH is called Money Box account.. Same thing, different name.
But the good thing is, Money box account will definitely pay more interest than HLB Conventional basic saving account.

All MACH acc will start with 402
HLB will start with 001



This post has been edited by Bonescythe: Jan 30 2016, 02:27 PM

Because money box comes with 2 function
Either select
1. Sky high saving
2. Free 5 time IBG a month (i think is 5.. if i m not wrong)

I use sky high savings. Forgot how much, but is higher than hlb conventional saving acc.

Looks like FD promo still can leap back to 4.5 and maintain.. not bad.

Those sucker bank offer below 4.5 really want to take the retailer as sucker.

Campaign rate can put 1 rate for a particular month very high.. but to get tat rate, you need to follow a certain timeframe of low rate. So the marketing will display campaign rate as high as x.xx% p.a (maybe u only enjoy it for certain month, and not the whole period)

Effective rate is when u prorate everything from start to end.. tat is the effective rate, the true rate u are getting

I can confirm with u is with saving plans

Wow.. so familiar ? You took the saving plan ?
Haha.
Izit 1 to 1 ratio ?

If with free trolley bag, then not bad also after all.

Btw, happy cny to you n the rest. Hope all huat.

MV hong leong bank branch open till 7pm..

Strategic location and also long opening hours.. recommended!

BCC normal eat punya food too high class.. that hamper looks top cheap for him ad


But rm15 is a but too exaggerated gua..

Not really... almost instant for my few visit there, but i use their greenlane service. But even not green lane also quite ok.

Parking wise either u park outside the bank and tell the security guard u going to the bank for a while, or you have to round round the MV parking

I like it because of their long opening hours, and even open on Saturday. Sunday not sure, but i think some Sunday they are open as well.

The last FD placement i did took me approx 15mins. Inclusive of opening a Fd acc there. But the parking took me 1hr

Since your situation is capital want to use for business rolling, yet you want to have some interest while capital not employed

If your capital is larger than 50k

Then you can go to bank and open a swift acc. Daily interest crediting on your capital (i think is 2% pa, minimum 50k onward, and top up in 10k in stages)
Meaning, 50k, 60k 70k 80k.. if you put 65k, it is counted as 60k x2% p.a. interest.

The bank i mention is HLB.

Need assistance can inform me, but i dun benefit from anything, just helping out only.

Sorry for OT since not FD. Just proposing based on your needs