Affin Bank Year End Fixed Deposit Bonanza 2015

The bank juz added term to split the total fd, 80% total into 15 month remaining 20% into either 1 or 2 month fd

Etc, Rm10000 into rm8000 15month / rm2000 into 1 or 2 month.

Refer 1st post
1 month - 4.05% pa
2 months - 4.10% pa
15 months - 4.60% pa

Few aunties angry scold them for the sudden term change
80% = 4.60% for 15 month then remaining 20% 4.05 for 1 month

managed to open 4.6% 15-month in Affin yesterday.. wasn't informed about the change in 80:20 requirements.

If so, then just let customer directly proceed to the teller, instead need to go one merry go round with customer service officer.

Teller Q number is easier to wait, while customer service officer, sometimes, need to wait more than half an hour just for a few people.
As those officer sometimes may be promoting other product to customer (saving plan etc), which I encountered before, just I told the officer, don't need to waste time on those thing, I won't interested one.
I come to bank has one intention only, aka placing FD, not buying insurance or UT.

I have been giving them feedback / complaints about since few years back..this year alone already given 2 feedbacks but nothing is done..getting worse

The MBB branch i go to charged me few RM 
Altho I told them I understand some branches only charge few sen, no give in also.

Yes, maturing next's Tuesday but will only have the time to go to the bank on Wednesday. Hopefully upliftment process at SCB is smooth. If no other new promo, I will just move to UOB 4.4. Then will also have one from UOB maturing the week after, still haven't decide going to CIMB or go back to OCBC 

Are you sure MBB charges only rm 0.53 for BC ? I have been paying more than RM 5.00 for the BC    please kindly show me where do you find the info of rm 0.53 ?

[Update] after some google, I found this info published in Remittance Fees : For public, the BC is rm 5.30!

Maybank charged me RM5.83 for the cheque from FD maturity. Same charge applies when I withdrew from SA.

better off just ibg it away

That was what I encountered previously for previous promotions, they even said bank in to my savings account & clear it first then go back in 2 days time to open the FD.

Correct, I think some branches don't like to promote GIA. Last month I think, one branch told me it ended but when I went another branch, it says still on so always need to get 2nd opinion.

UOB BC at my branch was over 2.15 before GST previously even though I pointed out that some branches are charging lower. No standard one.

I supposed each branch have their own SOP

Banks accept both personal n banker cheq immediately

Tis means depositor need to forego initial 2 days int?

It is very difficult to get bank cheque from UOB. I almost shouted at the bank officer in order to get bank cheque and it cost more than 68 cents (II can't remember the exact amount). Some says different branch charge different rate.

Which branch charges 68 cents?

No problem to get BC from UOB Penang. The teller not even informed me, straight away deduct 68 sen from the BC. Brought the BC to HL bank and top up with 68 sen so that the FD amount is rounded up.

Dislike UOB service, must first fill up form by customer service then take number proceed to casher counter. They should just hire clerks to fill in the form instead of hiring the customer service staffs. ....already said no leng lui in Ocbc, some more assigned a batang RM

I think you may not have known that the counter tellers cannot process BC request unless the form is filled up by the  customer service "clerk"

Thanks for the proof. Previously I am unable to show anything when I insisted that other branches are charing a different fee. Having a cert maturing with UOB next week, will try.

I will never ever place a FD with SCB again. Went to the branch to uplift the 4.25% 15 months FD and was yold that they do not issue any BC. The only 2 options are cash or credit to SA. Didn't want to credit to SA because I don't have any SA with my next placement banks, OCBC or UOB. By this time I already got the manager to come.

So I said I want cash from the uplifted FD and few thousdand more from my SCB SA. The teller said I need to fill up some forms to uplift FD to SA. I straight away said why need to fill up forms when they said SCB is going paperless. I am being a pain here. So the teller fill up the form and get me to sign. Guess what, she only withdraw the cash from SA. Even the manager heard that I want both FD and SA in cash. Okay, done.

Next I said I want to change the standing instruction for all my other 7 certs to principal + interest credit to SA because if no BC is issued, I do not want to be there physically.

Manager said cannot be done but I said can. Upon checking, it can be done. So they teller filled up 7 forms and since I did not bring along the other 7 certs, wanted me to sign under a stamped remark: FD receipt misplaced by customer, uplifted without receipt. I told them, that is a fraud attempt because it said I am uplifting my FD and that I have lost my cert. I told them I am able to change my standing instruction through phone call previously.

And since both the teller and the manager also seemed blur, I refused to sign and cancelled the instruction as they keep talking about the base rate. The last thing I want is for them to mess up my promo rate and every 6th month credit interest.

So when the next cert matures, I need to think on how to transfer as it is a larger sum than today for cash. The only way that I can think of is to credit to SA and then do online IBG. Anyone know what is the max IBG limit per day?

Okay, so with the cash I went to OCBC for 4.5% 12 months placement and decided to open a SA for future convenient sake. I asked for a SA that has no fee, no ATM and the banker proposed 360 account. So I proceed to deposit the min opening amount RM200. I made it clear that I already have an existing online account with OCBC under my credit card (now terminated) and I want to be able to do online transfer with the new SA. She said no issue. FD was smooth this time.

Then now I login my OCBC account and tried to perform fund transfer but failed. It said I need to open a new deposit account. So I clicked and followed the steps and now end up with a second 360 account but zero deposit. I thought need to maintain RM20 but now zero amount, will there be any penalty?

Any idea how to enable fund transfer function? early closure will incure RM20 fee.

The memo states that no BC will be issued starting 1 Feb 2015. However, according to the manager, some branches sill issue them. Mine is BSA so no cheque option too.

My OCBC online account was previously open because I have OCBC credit card. No SA. Even after I terminated the card, I can still view all my FDs. Then now after open the 360 SA, I can view it but unable to perform any transfer. Anyone with 360 account here?
SCB Melaka Raya

No, I end up didn't go for PB. The IBG limit should be per account right? I have 2 BSA for technically the limit is 100k? Else have to perform IBG on 2 days. They don't do over the counter GIRO either so no other options.

I will have to go to the OCBC branch again next week to sort this out.

Exactly, imagine if 1mil and no BC and daily limit only 50k. But maybe PB have a different perks and can issue BC, so do share the outcome.

I just checked my SCB preference.

3rd Party SCB Funds Transfer: 60,000.00
Interbank Funds Transfer: 50,000.00

And it is daily limit so even if I have 2 BSA, stil 50k.

Worse comes to worst, I will bring along another people to follow me and withdraw cash.