Yes, I also confirmed MBB GIA 4.5% effective rate is still on.

I also noticed an improvement that when opening using cheque, the FD slip is given on the same day unlike previous promotions where the cheque needs to be cleared first.

Also, during the earlier opening of MBB GIA, fresh funds not required, I could just convert my matured MBB FD to it.

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.

I was mentioning about personal cheque that MBB now accepts immediately.

I encountered personal cheque that had some signature issue, I was informed to provide another cheque & I think the FD date was revised also.

Besides UOB, I think sometime back it was said AmBank also can uplift at any branch, just confirmed that last week.

I would prefer Maybank's 4.17% effective interest rate FD for 6 months promo as it also rollsover the principal + interest on a monthly basis which makes it PIDM protected.

Oh, it can be opened online at maybank2u? Great then, may give it a try when I cannot go to the bank.

Unfortunately no, there is no option to cancel auto renew. I have been using amonline for ages but functions forever remains the same.

On the maturity date, manually login & uplift/close the eFD, don't have to go to the branch.

You would need to ask at the branch. But I cannot recall when the promotion is supposed to end.

It is effective rate 4.17% but you will get interest every month & it can be added on to the principal to get the following month's interest just like GIA.

Just confirmed Bank Rakyat nego rate from HQ is also 4.3% for 12 months
I hope this is the usual nego rate...

Good for you. Last week when I applied for the nego rate I got a dark green 2016 diary.
Today when I collected 1 cert, they gave me a face towel & umbrella. Unfortunately they ran out of Parker pen.

Your issue maybe abit different from mine which I faced previously.

1. I did not get my interest after 6 months despite having instruction 2 chosen, so I asked my RM why. She gave some excuse saying they have some internal instruction that interest will only be paid upon maturity.

2. Then I called the hotline about the same issue & complained. It routed back to the RM & she was quite angry saying why I didn't contact her directly. Apparently the hotline officer contacted her & scolded her. But the final outcome still the same, she even said asked branch manager if the 'instruction' can be changed but cannot.

3. Finally, after around a month seeing most of the people here getting their interest paid, I complained on their Facebook page & try to viral it I got my interest within a few working days no excuses given!

Sometimes I guess it needs humiliation for these big bullies to take proper action.

I see Citibank credit cards Facebook page is also badly defaced with lots of complaints since they are probably the only bank that still do not give annual fee waiver. But when came my turn, they seemed better & said I need to spend a certain amount to waive it.

Wah, this year everyone seems to be very 'fat tat' got hampers.
I think I may need to move to KL BR branches then. PJ must be having very high net worth people until I always cannot get anything.

The most I got is 2 gifts of hand towel & umbrella for just 1 FD


I noticed foreign banks are generally kiamsiap & not flexible. Last time I asked for 1 packet of ang pow packets also ask to check if I have an account there.

This post has been edited by gchowyh: Feb 11 2016, 11:55 AM

Considered not much problems for me except for that 1 incident so far, touch wood . Except for making 1 visit to the bank, the rest was done through the internet or phone calls