Thanks for the list. Just returned from a trip and had to browse 10+ pages of words and words. Missed my SCB maturity by several days and can only make placement on Monday. Considering between OCBC 15m 4.30% and UOB 12m 4.30%.

OCBC website states Promotional Welcome Rate as one of the so called exclusive privilege. Is this rate referring to FD rates?

If it is, what kind of additional rate I can expect?

https://www.ocbc.com.my/personal-banking/Pr...privileges.html

Oh okay, not attractive then. Thanks for responding.

Eh you want to refer me? Then we divide 50:50 but possible for different branch? Do pm if keen

For the xclusive membership, need to apply or they will automatically invite? My branch never highlight it at all.

and more importantly, can it allow us to cut queue fort FD placement/withdrawal?

This post has been edited by Human Nature: Apr 4 2016, 10:22 AM

Oh okay, that was the time when I started to reduce my FDs with them. With this cutting queue privilege, worth to top up back to 300K.

Rentas my fund from SCB, took 1 hour. Make placements at OCBC, registered for the 70k luggage offer using McD free wifi and now eligible for it. Then walked in to their PB centre for enrollment, got a night beg as welcome gift, jadi la.

Also found there is a difference between cut off time for BC and cash/fund from CASA. For BC, the cut off time is 4pm but for cash/CASA it is 6pm.

Haha i dont know anyone else at my branch. It is still on, saw it at the website. Maybe soon I can start referring my family members too

haha now i am targeting bank rakyat exclusive membership..the cut queue thingy is very valuable as my branch is always crowded.

on another note, my ocbc branch has improved tremendously since i feedback about their slow service. it was very packed today, i think many went for the 4,3% 15m promo.

Cool down guys, everyone has own comfort zone in not revealing too much at the internet.

I agree that is why I said everyone has own comfort zone. If it is blanked out, means it is not intended for public viewing, then others should not keep guessing and getting OT.

let it go man, already 2 days, dont become batu api

OK getting OT abit coz very curious..until now I don't who you guys are referring to.

Having SCB maturing next week again. Still deciding wanna go for UOB or OCBC 4.3%. With rumors of OPR gonna decrease, 15 months seems to have upper hand.

Almost forgotten bout CIMB...but will have to skip coz don't have joint account for FD there.

why would you take this 4.28% over 4.3% from OCBC/UOB?

Some questions on BR:

1. If there is an existing joint FD with BR, can I make a placement for another joint cert without the presence of the joint cert holder?

2. How long it takes to register the xclusive membership and will they be able to issue the membership card on the spot?

3. I am not an xclusive member yet. Do you think I can skip the queue if I directly meet the AM and tell him that I want to register for it with the amount that I am going to deposit?

4. The 300k can be a combination of FD and CASA, right? The terms is abit unclear:
http://www.bankrakyat.com.my/rakyat-xclusive

This post has been edited by Human Nature: Apr 9 2016, 11:03 AM

Thanks for the reply.

The card is important to cut queue and get parking, the main reason for joining...esp since BR certs are handled by my mom.

Yeah, it's weird they didn't state explicitly that they can be combined. Let me contact their CS for clarification. Not high of an amount, but if they do consider CASA then I can move just the minimum amount to BR.

Yes, logically should be possible.

The parking is good because for my branch, need to park the car at a distance and cross a four lane road (with traffic light of course). No need red carpet as long as cut queue because the crowd at BR never cease. From my observation, most of them are for matters like mortgage so each person can consume a longer than average time.

Received a respond from BR:

1. Fund in FD and CASA CANNOT be combined to meet the 300K requirement. In fact, the account itself must meet the requirement. This implies that the tracking is on the account number and not the holder name.

2. There is no registration needed for Rakyat Xclusive membership because the membership is automatically offered once the customer meet the minimum requirements.

I asked further on item (1) whether a holder whose fund meets the amount by combining multiple joint accounts are eligible but the next email asked me to call the contact center

If really cannot, then can say bye bye dy as I have 4 separate joint accounts, and each wont meet the 300k req.

This post has been edited by Human Nature: Apr 11 2016, 06:12 PM

Yup, awaiting further reply from them. Hamper should be according to holder name as you said as I did receive them too last time for multiple FD account numbers. Hope they are following the same.