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 Ultimate Discussion of ASNB (47457-V) IV, Wholly owned subsidary of PNB (38218-X)

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Ramjade
post Feb 16 2016, 02:14 AM

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QUOTE(wu ming @ Feb 16 2016, 01:43 AM)
When I go to pos usually I notice more people withdrawal than deposits especially from the vroom race. Their salary credited to ASB account meh?

My purpose to the pos office is usually to send out stuff but this ASB transaction severely lengthened the waiting time. mad.gif
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If you mean malays, is because they can deposit and withdraw any amount (as long don't exceed RM200k), many treat it as a high interest savings account. Because of this consequences :
1) Money don't grow.
2) They cannot exceed the RM200k limit as the dividend cannot compound fast enough (see point 1)
Ramjade
post Feb 17 2016, 08:56 PM

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QUOTE(yvonne2016 @ Feb 17 2016, 08:54 PM)
Multiple times of online transactions.
Rejected more than 50x
Sakit hati too with bank charges & gst " gone with the wind " cry.gif  cry.gif
today, disppointed again,  with 12x subcription fr Optopus bank all status REJECTED.

pending for refund , maybe better luck tomorrow  rclxms.gif
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Try smaller amount rm3k like that. Er, bank and government said thank you for the free money? tongue.gif
Ramjade
post Feb 18 2016, 11:12 AM

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QUOTE(ohcipala @ Feb 18 2016, 10:47 AM)
Went to Maybank just now to try to open ASW. The guy ask me to go ASNB branch as ASNB staff can see real time units while agent banks can't. He says if he open account for me and there are no units available, the account will self destruct within 24 hours and there is a waiting period of a few months before I can try to open account again. And he say since I don't have account yet, he can't check the units available for me. So I'm wondering how do people open account at agent banks?
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That's their excuse. Just ignore and proceed. Tell them you tak cuba how you know tak boleh buka. I tahu kalau ada yg jual. I boleh buka. Of course use don't be greedy and try rm1k. Stick with rm100.I have never heard of such thing try again in few months. I kena rejected few times when trying to open asw2020 but I went from one bank to another all on the same day and manage to open.
Ramjade
post Feb 18 2016, 11:27 AM

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QUOTE(ohcipala @ Feb 18 2016, 11:20 AM)
I know he was reluctant to try to open for me by looking at his body language. Initially I wanted to play the psychology game with him but I was in a rush so didn't bother. Just left after he told me the bull story.

So actually what's the procedure for new account opening? They create a new account first and after that then they try to search for available units using the new account? Or they just main hentam trial and error without keying in the account details and if they see there's available units, then they'll proceed with account opening?
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From what I heard is they create one for you. If don't have, they close account. That's why they don't want to do cause it's troublesome.

However from my observation is it looks like they trial and error. But I could be wrong.
Ramjade
post Feb 18 2016, 07:26 PM

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QUOTE(audy @ Feb 18 2016, 06:12 PM)
Did you have to take 5 different queue numbers in order to complete the transactions or just need take number one time and ask the teller to do multiple transactions for you? Just curious, how long did you have to spend at the bank?
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You don't need to take different no. One can try multiple times at the counter with the same no. Depend whether counter staff want to entertain you or not.

This post has been edited by Ramjade: Feb 18 2016, 07:30 PM
Ramjade
post Feb 18 2016, 09:56 PM

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QUOTE(honkkydorry @ Feb 18 2016, 09:33 PM)
Not sure if this has been asked before..can we deposit $ for someone else without the passbook? I want to top up for my mother but she is in different State and it's not convenient for her to go bank always.
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Can no problem. Take lots of surat wakil. Ask your mother to sign that. Ask for her book (the book is very important - you need to bring it every time you top up).

When you go and topup. Bring book and surat wakil. If you are lucky, they won't ask for it. Places like post office will always take your letter. If banks don't ask for it, just keep quiet. Just take no, present your book say you want to topup.
Ramjade
post Feb 19 2016, 07:13 AM

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QUOTE(Kaka23 @ Feb 18 2016, 10:28 PM)
Where punya octopus bank?
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Cimb Bukit Tinggi.
Maybank Bukit Tinggi.

The above are the ones I personally experience able to asked multiple times.
Ramjade
post Feb 19 2016, 10:23 AM

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QUOTE(ohcipala @ Feb 19 2016, 08:37 AM)
So there's no so called waiting period if they close the account if there's no available units?
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Just take one day off from work. Use that entire day to try. Visit the banks, post office listed on first page and try with rm100. Sure can get.

If don't have, just try again next month. There are people who try first time didn't get and got it few months later.

QUOTE(nxtpg @ Feb 19 2016, 10:09 AM)
So what is the best method at asnb branch? If fail to get, just retake a number and retry?
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Go to banks listed on first page and try luck with rm100. Not a wise move. Staff might be lazy to entertain you if you do like that. With asnb, need to speak to them nicely.
Ramjade
post Feb 19 2016, 10:37 AM

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QUOTE(jiayi0528 @ Feb 19 2016, 10:31 AM)
hi Sifus,

Im new to ASNB investment and would like to open an account. Tried with kajang branch CIMB and RHB for continuous 1 week. But the answer I get from RHB is always "line ada problem, tak boleh buka account lagi." and from CIMB will be either "ASNB counter sudah tutup, try esok pagi." and go on next morning and subsequent morning, "quota habis." but they didn't even check yet ady say quota habis. Must be my face problem, they all hate me so much. Thinking of taking 1 day off n go other places listed to try. Sighh....
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Just insist tak cuba bagaimana tahu quota habis? I ada kawan boleh buka je. Please la try. I dah datang setiap hari.
Ramjade
post Feb 19 2016, 11:23 AM

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QUOTE(nxtpg @ Feb 19 2016, 10:50 AM)
I have the accounts. I just want to further top up
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Top up no problem. Just go any of the banks. They are acting if they didn't even try.
Ramjade
post Feb 19 2016, 04:09 PM

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QUOTE(Mr Gray @ Feb 19 2016, 01:37 PM)
You can deposit to another person's account over the counter or online. I've done that both at Maybank, and CIMB, online and OTC.  You'd only need the account number, ic number and full name. No need surat wakil whatsoever.
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Post office asked and take my surat wakil. That's why my parents never go to post office to top up for me. Got one bank wanted to take but my parents asked back for it. (save the surat wakil so can continue topping up for me - of course using my matured FD)
Ramjade
post Feb 19 2016, 10:22 PM

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QUOTE(nexona88 @ Feb 19 2016, 10:19 PM)
well ASNB did gave bonus previously. I think for 10th anniversary.

so 20th anniversary bonus is possible  icon_rolleyes.gif
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Economy bad how to give bonus? sad.gif
Ramjade
post Feb 22 2016, 07:23 AM

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QUOTE(silverviolet @ Feb 22 2016, 12:55 AM)
if want to open ASx account, ASM or A1M more advisable?
Currently hv ASW only...
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There's no problem opening all. Dividends payout are more or less the same. By opening all, you get 3x payment a year. Opening all also let you split your money into 3 books. That way, if one book don't have, you can divert it to the other book.

However it is entirely up to the individual. Like me, I have all 3. I topped up asm and asw2020 only. As1m just have min100 inside. Asm right now I stop topping up. Focusing more on asw2020 to balance it. Trying to bring asw2020 up to asm amount.
Ramjade
post Feb 23 2016, 10:15 AM

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QUOTE(wywy2020 @ Feb 23 2016, 10:08 AM)
can try 5 digit?
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Sure if you confident can get. Recommend you try 4 digit multiple time. Better to have 4 digit masuk then totally no digit masuk if you try 5 digit. Just my 2 cents.
Ramjade
post Feb 23 2016, 12:10 PM

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QUOTE(wywy2020 @ Feb 23 2016, 12:05 PM)
oh, mean ask the bank teller to perform multiple transaction of 4 digit.
how about if ask to start with 5 digit, if not available then keep reducing to 4 digit until success? which one more workable?
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Both workable. But you need to think, how many times the bank worker want to entertain you? For me I try 3x only. Both ways. Either up or down. If I have 5 digit cash with me, usually I try upwards with 4 digit first. If I have 4 digit cash with me, I try downwards.

After that, if got balance, go to another place, one shot hentam all in (Balance in hand sure 4 digit). Sure masuk already. Never fail me before.

Btw. managed to grab rm1k for asw2020 today.
Ramjade
post Feb 23 2016, 02:04 PM

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QUOTE(HarpArtist @ Feb 23 2016, 01:38 PM)
i was told e problem with amanah saham is in case of death, its hard for the monies to reach the beneficiary. is that true? harder compared to ut or stocks or epf.
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Not true. With will, you will receive cash say within 1-2 months. If you apply for pengisythiharan something you will get it within 1-2 weeks in units
Ramjade
post Feb 23 2016, 02:42 PM

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QUOTE(wywy2020 @ Feb 23 2016, 02:36 PM)
they used oracle system. if the teller say it is insufficient fund, is that true or they might con us without trying (they always ask us to sit and wait to be called).
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For me usually true as I have always manage to topup at both the banks. The worker is always the same person. So for what the person want to lie? He is asking how is the interface of amanah saham system.
Ramjade
post Feb 24 2016, 12:27 PM

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QUOTE(wywy2020 @ Feb 24 2016, 12:09 PM)
one transaction how much it charge fees? success or fail also charge?
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RM1.06. Yup. You will be charged regardless whether you successfully or you fail to top up.
Ramjade
post Feb 26 2016, 11:53 AM

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QUOTE(nexona88 @ Feb 26 2016, 11:47 AM)
yes  icon_rolleyes.gif
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Must pay annual fees? Not one time payment?
Ramjade
post Feb 26 2016, 01:52 PM

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QUOTE(filage @ Feb 26 2016, 01:36 PM)
Guys, if you got 1 akaun remaja with both guardian and child name, later after reach 18, it say automatically convert to akaun dewasa. But if the passbook is still the old one and already reached 18, then which name & IC should be used if want to register online? Is it follow guardian or child? Or the book need to change & register to child name?
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I think need to change first

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