Thanks for the info! 

My reply is to anyone's post ? You have to read the post together with the one on top. If I make an independent post by itself, that will be different.

Your old habit still the same. Read carefully if u want to comment on people's post. Learn please !   

"You reply him without quoting. So didn't know you were replying him."
You just read what I wrote and reply, how laughable !!! Did u see that I am replying to @gsc's post and attached his post on top ? Funny, boy !! 

Now some more want to "share" the fault !!     

here's the website and full T&Cs for HLB Festive FD: 6-month @ 4.50% p.a.

HLB | T&Cs (EN) | T&Cs (BM) | T&Cs (CN)

Hahaha, sometimes have to act act like blowing up to release steam !

Some people disguise themselves but really are just trolls. That fellow really need to learn. Have been so many cases.

Looks like Hong leong - 4.5% for 6 months still the best at the moment.

Hong Leong got 4.3% for 3 months, better than RHB 3 months.

Thank you, looking forward to OCBC, UOB and AMBank promotion.

I thought OCBC 4.5% for 12 months had just ended on 31st December, 2015.
Has this offer been extended?

1. completely free if you don't get any atm or debit card.

my city got no Mach branch. Still can open a Mach account meh??

As a last resort, u need to open @ HL Bank branch

ok, i misunderstood your post. thinking u are saying to open mach acct in hl. so u are saying do the hl fd placement with the same rate. tq.

Those were days when banks offering 8% FD, while 7% FD would be frowned upon. I will say that 4.xx% is "healthy"

you're right lo ...

my parents don't trust online banking. Won't do FD without cert. 

don't know how to convince them.

Loan to deposit ratio generally goes up across recently which is widely reported in the news media, not something surprise situation.

FD grabbing won't last forever, that's why banks run promotion FD instead raise their board rate to attract fund.
As using promotion method, they can limit how much the want to grab fund through higher rate, and a lot of time, banks do state once reach x limit of deposit, the promotion ceased etc. which signalled that.

Also, due to new Basel III in the pipeline, some banks may need to get more long term deposit to meet the new banking standard.

Not that serious as the headline...

Loan to deposit ratio for banks generally run at 80~90%, but recently the number breached 90%.

Both deposit and loan still growing, just the pace of deposit rising cannot match with loan growth.

Deposit growth recently is about 5%, while loan growth is about 9%.
So deposit cannot catch up the loan given out.

While Basel III requirement for banks means the treatment of accounting issue prompt banks to attract more deposit as well.
It was reported in the news before.

http://www.thestar.com.my/business/busines...sits/?style=biz

no use lo ...

they are worried that money might disappear without trace. Like no proof etc. 

so they usually go to branch for FD, which waste a lot of time and money.

I got FD expiring soon... now looking for places to park my money for 3 or 6 months.

Can share more about the HLBB promotion? I couldn't search it from the website.

forget bout that, its over.

http://www.hsbc.com.my/1/2/personal-bankin...tion-dual-offer

hsbc 4.38% pa for 6 months, but for premier only

Thanks for answer 
Thanks for answer, but unfortunately I stay in Melaka and hometown is JB and I checked the location for Mach branch all are located in KL so I can only open normal saving account. If like this then I need to open two account which is saving account and FD account?

Hnws Ram, you are wrong again la.

No need call up MAcH to ask about whether money transferred is consider fresh or not.

Existing money in money box mach acc straight away can place promo 4.5% 6 mth FD under Mach FD.

No need check whether fund is fresh or not. Just need 10k minimum.

The person wants to put the 4.5% FD at HLB. His money is in Cimb/maybank. He wants to know by transfering, will he get the 4.5% or he needs to use other ways to get fresh fund.