Yes, have been pulling out from SCB for last few months. Have to cancel their PB to avoid the RM100 monthly fees !

They have no new FD promo unlike last year, one of the best, if not the best, at that time 4.5%. 

But the OTC RENTAS is not really immediate, I think the guy was sitting on it & not entering into the system as I didn't see him type anything except filling in my form, maybe 2-3 hours later only got it.

One more thing about nego rate. 50k can start nego though 100k will have better chance. For 5 yrs, we could try to ask for 4.7% or 4.8%. I think guy3288 may be interested in this. 

“Alliance 12 Months Fixed Deposit Campaign”  12 April 2016 to 30 June 2016

12 months 3.90% p.a. minimum of RM10,000 in Fixed Deposit (FD)

t&c

https://www.alliancebank.com.my/ABMB/media/...-months-3-9.pdf

Question regarding ocbc 15month fd. It's not mentioned anywhere that I need a savings account. However I rmb reading in here that for fd above 12 months, i'm receiving interest every 6months. So, I do need a savings acct with them?

i'm a bit confused now because t&c stated (re-read the t&c)...

Yesterday in BR to renew FD to 1 yr 4.28%.

They are going to have a new promo starting 2/5/2016 for 1 yr 4.3% min 25k.

Asked about the gold coin. It is 24k plated, weight 50g, commercial value unknown. Anyway it is a nice looking gold coin !

Friends, I have a n00b question.

I've never placed "fresh funds" from other banks before and I'd like to know what's the cheapest way to do it without having to carry a bag load of cash into the bank.

Doing a banker's cheque will cost some money so I try to avoid that. Based on my experience with IBG, it has to be from one account to another right? What if I want to take up an FD promo from Bank A and I want to transfer the money from the savings account from Bank B... How does it work then?

Advice much appreciated.

I'm using CIMB. The banker's cheque costs RM6+ before GST. That's already a chunk of the interest I'm going to earn from FD. But if banker's cheque is still the best option then I may just go for it.

Did not ask on that. Have FD due in May in BR ? 

Thanks for the confirmation ! 

Human Nature, I think must meet the requirement like min 25k as well. 

4.3. Eligible Customers will be contacted via SMS within three weeks after they have successfully complied Clause 3.1.1. for notification on Gift entitlement. Eligible Customers who do not receive this SMS notification are not
entitled to the Gift.

I got mine, put in Feb. Saw fb people saying luggage bag fully redeemed, many people not happy want to pull out

I did placement on 21-Jan-16 & was told by my Relationship Manager that the luggage bag offer already out-of-stock.
Out of the blue, I received a couriered Condotti 20 trolley bag on 31-Mar-16!! Real surprised ;-)

For Scb FD... If matured on 4/5/16 means I can withdraw the FD on that particular date or the next day? Thanks

Went for UOB 12 mth 4.3%. At 3pm, the traffic at that branch was even queuing out into the main road (a bungalow) !  Is it because UOB is one of the few banks giving 4.3% for 1 year ? 

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?

1. Yes.

I don't think it has to do with Xclusive member. It was at least 2 years ago when I did that with the joint acct. After that all new placements are single name. But the joint acct is either or signature. Is yours either or OR both must sign for withdrawal ?

Oh, I think it is sign the form, not the cert.