Quota reached...

If you cannot placed, just go for OCBC.

OCBC offer same interest of 4.5% but with PIDM protection. Why go for Mbb GIA?

Not really. I have followed them for a while and their rates are not competitive.

Remember there's a HL bank within walking distance. Of course I used to check their rates first and then only compare to other banks (why go so far if HL is offering the best rates in town?) They have never lived up to my expectations.

That green guy does not know the sequence...just like he said 6 months 4.5%, 1 year is more than 4.5%. Some more try o deviate on his original point....yesterday went UOB, banker cheque is 68 sen. Hoe he will remember

it seems diff mbb branch practice differently. some mbb branch will just give out fd cert on same day while others say wait for cheque to clear.

I just got offer from OCBC (masjid Jamid branch), placement of 20k FD for 6 months @5.1%.

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

You and I not same playing field what.   

Me have no Priority status with any bank and will never apply for any of their Priority status (waste of my money). 

Well you are paying with the amount of interest given compare to what can you get by parking your money somewhere earning double digit almost every year. Let's just say 10% of RM250k vs 4.5% of RM250k. That's a difference of about RM13k. More than enough money to go on vacations.

I will take the RM13k (vacation every year) compare to being a priority customer.

Check your PM

MBB eff rate 4.5% may not be fixed. On the 3rd month, I am getting 3.998% instead of 4%, slightly low but not sure if it will go down further. Capital and interest not guaranteed.

My opinion is HL 6 mths 4.5% is better with mthly interest. Except if interest rate go down, then 6 mths later may lose out to other banks with 4.4% rates.

But hard to say which one the best as need to factor in other variables like convenience, length of FD etc. 

oops. rugi 1 piece of currypuff

0.38 cents can buy currypuff?
I think rugi ais kosong more suitable.

Is this your first interest payment ? 

Mine is the third so I can compare between the 30 days and 31 days interest. 

Thanks for your effort...that guy was throwing out his money weight and expect forum members to serve him

just to be safe, do it at branch B, and senior  5%p.a sounds wow, does it applicable to everyone above 50?

i put in 5k in bsn 5 years 4.75%, and it was a hassle, the lady at the counter told me, IT can deposit monthly in to my saving acc, (by the way , opening a new saving acc with no book, i Did ask for the saving acc book but they said no, bad reputation), And later when i gave them the money, she key in all the detail and later told me that the interest from their computer system is only Rm936 upon mature date. I said what the F? SHe told me the system gave that figure to her, i ask how much is the rate, she said the system don't show... I said What the F?
Then later she call to KL or some1, And i waste my time in the branch for 45 minutes .
Then later she gave me the certificate that printed the correct amount of interest. And i ask them r they sure that it will deposit monthly into my saving acc. The Supervisor said yes. Now i just have to wait for a month and check it later.

Really poor representative and lack of communication with their own bank product and services.

By the way, they advertise the FD is guaranteed protected by the government.

Lol, and yet you have time for forum..