want to park money 1 month for use coming CNY,

so i checked out here page 1. best i saw  is 3.15% FD ,
straight way i went to MBB , gave her the cheque.

My RM asked why go for 3.15% only? i said i need it next month.

She told me just place as GIA MBB 4.5% x 12m,
come 5.2.2016,  just withdraw!

She said no penalty, what a good idea!
so i share it here.

My MACH account already dormant and dunno how many years Liao. A bit lazy to go activate it

dude, any idea if i place it for only 20 days? do I entitle for 4% p.a as well?

Just received call from Kuwait.

CNY FD Promo for minimum fresh funds of RM10k.
12 months - 4.25%
*interest is paid up 1 week after your FD is placed.

Then if your initial placement is huge, interest is huge, then can place another round with them. If you do this (min initial placement 250k, then you get interest of 10k+), then the effective rate is about 4.43%.

Promo until April but first come first serve apparently. Anyone else heard of this?

You went to their branch to reactive ah? MACH so long no promo so I also withdrew everything and left RM2 inside lol.
Maybe this weekend head to their branch to reactive.

Yea I realize that also after I posted
HLB shorter term somemore haha. But just sharing for others who may be interested to put some funds there I guess.

Nah, I don't really trust softwares to create passwords and store them somemore.

No biggie, lucky HLB Mach all online, just have to reset my password. Had to look for my ATM card though haha. Almost thought I misplaced it already.

All done now and reactivated the moneybox account, just transferred some money into it.
bbgoat how long it took you before you called their CS? Or did they call you?

How long did it take for them to call you?

Ya, I reactivated it online this morning, key in TAC number and all.
And transferred RM100 first to the account after that. So far nothing yet.

Further on UOB cashier order fee. Today received a new twist, which i believe will give the definite answer. The RM2.80 is consist of RM2.12 service fee + RM0.68 miscellaneous fee. The service fee is waivable by the branches so that is why some are getting 0.68 while the rest 2.80.

My IBG got rejected. Wasted paying the transfer fees.

Looks like I have to call them up anyways.

went to public bank to withdraw my fd that matured, the lady told me bankers cheque costs RM6 
ended up withdrawing cash

Still cannot outbid Maybank's 4.5% (12-months period).

Ya I receive SMS when I woke up this morning saying that my IBG was not successful and the funds have been credited back into my account.

I tried calling the CS number stated in the HLB Connect website (at the bottom right always got that "call us at ...") but it went straight to engage tone few times or it will say "Harap maaf, the number you have dial is not reachable at this moment, blah blah blah". Have been trying since this morning so I fed up and send them an enquiry thru their HLB Connect also. They say will response within 1-4 working days.

Unfortunately, I don't have a normal HL acct. Only got MACH acct and my CC.

Guess I'll just wait for the CS to response to me.

Huh! Lucky you mentioned about it. I didn't know the interest rates wasn't guaranteed.
BTW, what do you mean by "Capital not guaranteed"?

I saw in Ringgitplus.com website (as shown below) and it stated "Not covered by PIDM and the capital is not guaranteed".

Meaning if I put in $100,000, it could turn into $99,900 ?

worst case senario, $9.90 

no, i didn't take fd, i ended up with HLB 4.5%, plus a love letter from dbkl 

wow, thank you for telling the date, when will it be matured?

wow, thank you for telling the date, when will it be matured?

Why ? You should know it. 

Early this week I mentioned that my RM said no more 4.5% 12 months which I managed to get in December, Well, yesterday she offered to me again when I wanted to withdraw my maturing FD with UOB. But I did not accept the offer and took the funds to HLB.
At HLB,  I faced some problems back in December and yesterday. You see, the HLB 4.5% FD Promo interest must be credited into CASA. I have HLB Joint FD with my son and wife and wanted the Interest to be credited into my wife's Savings Account. But the teller said that the interest must be credited into a Savings Account with 3 of our names.

To learn how I overcome the above, please read my "story" at my Facebook Page where I willshare with you tips which you will find very valuable for FD Promos requiring us to credit the interest into CASA:


https://www.facebook.com/GenXGenYGenZ