But end up they want you to buy investment products from them...This is RMs' final objective..

Then they will not have the mood to entertain us loh... very realistic mah..

In my opinion:

(1) UOB
(2) RHB
(3) Affin --- offer competitive saving account rate, but AM bank True saver is still my first choice. OCBC smart saver is not so convenience to withdraw
(4) HLB

I just called UOB, 4.5% for 1 year FD, tomorrow is last day.. Hurry up...
According to UOB, this 4.5% is not negotiable even with RM 500K offered from another customer,
next coming UOB FD rate will go down..

This post has been edited by BoomChaCha: Mar 30 2016, 12:47 PM

RHB FD step-up Promo, valid from 31 March to 30 June 2016

1st to 3rd month: 4.00%
4th to 6th month: 4.15%
7th to 9th month: 4.25%
10th to 12th month: 4.60%

Effective rate: 4.25%
Advantage: Allow to withdraw each matured 3 months step-up.




UOB FD Promo - Effective 1st April 2016

(1) 12 months: 4.3%
(2) 4 months: there is a 4 month FD promo, but I do not know the rate yet..

This post has been edited by BoomChaCha: Mar 31 2016, 05:46 PM

Yes, I just managed to catch the last boat this late afternoon..

Tun.. I quite admire you.. You are real tahan lasak..

If you have existing fund in UOB or RHB, you need to top-up some fresh fund in order to use your
existing fund to place new FD..

RHB requires approximately 20%, but need to double confirm with your RHB branch.
If I remember correctly, one member said that he just added RM 100 fresh fund to renew his RHB FD..

About UOB, last time about 2 months ago, I was required to top-up minimum RM 5K fresh fund
to my matured FD to renew new promo rate 4.4% for 1 year.

I think RHB is more easy to negotiate than UOB in this area...

This post has been edited by BoomChaCha: Mar 31 2016, 08:50 PM

Oh.. your memory must be DDR5 64GB loh..

Wah.. RM 100 only..Because unker goat looks more leng chai ma..

Really..?
Are you talking about RHB..?
I have a feeling that each RHB branch needs to hit the FD sales target.
This is quite strange about your case..
Next time talk to the branch manager. RHB branch manager is sitting out side.

Miss Adele.. I believe what you said was a true story..
But actually you can do it on the spot, no need to wait until the next day, so that you will not lose 1 day interest..

I think now the new trend is that some banks allow FD depositors to top-up new fund to renew matured FD rather than
need fresh fund from another bank..I hope all banks can practice this convenience way

I was wondering does OCBC allow to top-up..?

This post has been edited by BoomChaCha: Mar 31 2016, 11:37 PM

Yes, maybe KLCC branch has more FD depositors..

I always call the bank first before I go there to make sure the FD promo is still available.

Oh Really..?
This is funny.. Ha Ha..
I know somebody wants to make jokes around but one day suddenly he get mad....!!! If cannot take joke then please
do not make joke with other people lah...

This post has been edited by BoomChaCha: Apr 1 2016, 08:17 PM

Simple, the government wants to give benefit to SSM, and secondly want to collect income tax
from internet seller later..

So, the best 1 year FD rate is 4.3%? If to omit BR..

This post has been edited by BoomChaCha: Apr 2 2016, 11:50 AM

Affin Bank FD Promo, valid until August 2016

(1) 3 months: 3.85%
(2) 6 months: 3.95%
(3) 9 months: 4.00%
(4) 12 months: 4.2%
(5) 13 months: 4.3%

Minimum FD deposit RM 10K

Each FD promo needs to put additional RM 5K to saving account and earmark
to follow FD tenure.

A free gift of this FD promo is something like Micro Fiber Mop

This post has been edited by BoomChaCha: Apr 4 2016, 12:41 PM

Alliance bank currently does not have FD promo..

Gary, Thanks for reminding this..
After all my SCB FDs become mature, I will withdraw all FDs from SCB.

How to avoid SCB to charge us RM 100 after we withdraw all our monies?

Or can we request to terminate our priority banking status before we withdraw our
FDs..? So that we will not be charged RM 100..


Withdrew FD in RxB, happened in this afternoon:

RHB staff: Mr. Boom, mahu withdraw ke? Duit ini nak pergi ke mana?

Me: Duit ini untuk bayar housing loan

RHB staff: Bukan nak pergi ke lain bank FD?

Me: Bukan lah...

RHB Staff: Jangan ah.. Jangan pergi ke lain Bank FD ah.. kita RxB sekarang ada FD promosi yang menarik,
Kalau mahu letak FD, Mr. Boom boleh letak di sini uh..

Me: yeah.. yeah.. mesti, mesti..

This post has been edited by BoomChaCha: Apr 4 2016, 09:09 PM

I guess as long as we maintain or keep the priority banking status, SCB will
charge RM 100 if we below AUM.

If put RM 5 in SA, maybe SCB can post a RM 100 bill to us..?

I think the only solution is to close the priority banking account.
Maybe the best timing to close is when we withdraw FD...

This post has been edited by BoomChaCha: Apr 4 2016, 10:00 PM

Thanks Gary for sharing this valuable info.
I will do the same..

Dislike somebody just wants to show off and asking people to guess his wealth...

But Remic just gave us his straight forward answer like this:
To put RM 200K in CIMB to get 4.35%..

Quite salute and respect to Remic for sharing his FD info without reservation..

This post has been edited by BoomChaCha: Apr 6 2016, 06:21 PM

Deleted..

This post has been edited by BoomChaCha: Apr 6 2016, 10:24 PM

Thanks for the FD info..Bro

If got 6 figure, I think can ask for a better rate?
May be 4.4% or even 4.5%?



This post has been edited by BoomChaCha: Apr 11 2016, 02:43 PM

Oh.. didn't know about this...

What is the maximum fund is allowed to use FOC IBFT & IBG thru online banking..?

Oh.. 50K..?

Let's say if got 6 figure like 300K, then can use 6 times (6 x 50K = 300k) of
FOC IBFT & IBG thru online banking on the same day..?

Ok.. Thanks

If got 6 figure for sure can nego with BR la..

But you have a good timing to wait for May FD promo..

Better to put money in a courier company's non transparent shipping bag, then put the
non transparent shipping bag in a Giant plastic bag..

Yes, for big amount like 6 figure is a must..

So OCBC 4.3% for 15 months is last day for today..?

This post has been edited by BoomChaCha: Apr 29 2016, 11:28 AM