cimb screwed up my data.
my rm transfer location.
interim wise, replacement rm to service me.
then new rm reported for work but no handing over.
1 year + no rm servicing me.
one fine day i walk in to do fd, rm checked and found out in database no rm assigned to me.     
when they finally re-assigned someone, also messed up big time on my transactions.
i got even more               

hence now sourcing for new bank.

I only promote BR when their rates are good or when they gave me good nego rates of 1 year 4.5% with attractive gifts !!   

I also promote OCBC PB centre with lots of leng lui, SCB PB centre for sending me FD certs instead of waiting there for hrs, CB for its service though not for FD, UOB for giving me gold plated gifts, MBB at times for upfront interest, AmBank 4.6% interest last year, CIMB for higher rates of 4.35%, Affin Bank 4.6%,  RHB, HL, PBB ............... Who said just BR ?? 

BR's Xclusive Club do not have RM assigned to you. Only in KL have more benefits. Anyway I am in Penang. But I do not depends on RM. Most of the times kept a distance and decline invitations for some functions as well. 
CIMB even when I signed in again (dropped out as they wanted to charge fees if AUM drops few years ago) for PB last year, no gold toy.  Send one almost every CNY, as u said ?? 

Wow ! One auntie here in this forum also said she received no gift. Just passport holder, cheque book holder something like that which I received few years ago as well for CIMB PB. 

there is a thread but it's not very active.

can't blame it because there are not much benefits also being a PB.   

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

Never been their customer. Cannot comment.

One good thing about rhb is no queue for their amanah saham counter.
Captain likes UOB cause if value is large, no need to move fund around. RM can give you good rates. Say promo rates is 4.2, they will give you 4.1%

Not worth it when other banks offering like 4.3-4.5% that time.

You never know. Banks love to sell products. Always go maybank, they keep promoting their ASG + high FD rates for few months to me when all I looking for is topping up my amanah saham fixed price. SCB always prudential insurance.

Only affin, cimb never offer to sell me anything.

  oh boy oh boy. taking number from counter not counted. wat about taking from a machine? u seems to have a lot to learn. uob for fd, in customer service, fill up forms etc. then go to counter to place fd. same for affin. not customer service to get no.  in 1 sec, i tot u are retxxxxx.

i dun think i got u wrong. it was wat your statement means. maybe it was your english.

u got it all wrong.    captain got 4.5%. he was just saying if promo rate 4.2%, u may get 4.1% (for all other souls). tat is wat he was saying. how come your memory is so "super good"?  quoting from your good memory? do check out and correct me.   

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...

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

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  :thumbsup:

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

Bro,
My FD with BR will expire next week
Wat is their current offer for 12m n 24m?