we can only conclude that different banks of different branches charge different individual differently for banker's cheque. hq can say 1 thing, but branches doing another thing.

Are u sure hlb will minus 2 days interest?

I thought that statement is just to tell the FD is valid if the cheque clear.

even mbsb is giving 12 mth 4.18%. does not bode well for the 5% tat big bones is dreaming of. but mbsb cannot fight with others with 4.3% promo.

good point and quite true.

rite. i said tat yesterday.

mentioned earlier HLBB charged RM6 for a bankers cheque, and in fact the FD account belongs mother in law, a senior, still they charge RM6

dun think related to senior citizen. asked my relatives still charged about rm6 for bc. so more likely to do with bank branches discretion.

wrong post

This post has been edited by sms2u: Mar 19 2016, 11:16 AM

i do no think so, can u show the exmple how you do the calculation and it minue the 2 days interest?

i think he is not sure of tis. not true oso unless he can prove it.

understand already

This post has been edited by roimekoi: Mar 19 2016, 02:02 PM

Does anybody know why CIMB's eFD rate in this page is different from the rates when you actually try to apply in Clicks (e.g. for 12 months first page says 3.7%, but in Clicks it's 3.3% only)?

Have you call CS to verify?

Do we really earn more interest by Choosing to add interest to principal instead of payout to savings account?

I chose add to principal but the amount printed on the FD slip is the same as principal * interest per annum / tenure

It is usually not our choice to decide a payout method for FD promo.

Interest is still the same la regardless of which option you choose. Wonder who gave you such impression?

Don't have any experience putting FD otc but for eFD, you get to choose

This post has been edited by ohcipala: Mar 19 2016, 09:33 PM

Not true, the FD rate is printed on the FD. PB is clear on the step up rate compare other bank such as RHB, only print the first step rate and maturity date. sometimes can be very confusing and thought that iFD is mature and withdraw

pbb wise even captain genx also mentioned about the opr change tat may affect pbb's fd rate. concern is on next step up rate 6 month later. they may change it if opr change (meaning drop), rite?

This post has been edited by yygo: Mar 20 2016, 08:13 AM

For Hong Leong Bank - 3-month FD Promotion , Rm100k and above, the FD rate is 4.3% instead of 4.2%.

UOB FD Promo, minimum RM 10K, need fresh fund,
no need to open saving account. Valid until end of March

(1) 12 months: 4.5%
(2) 10 months: 4.18%
(3) 5 months: 4.05%
(4) 11 Months: 4.245% ---> this needs to open saving account

This post has been edited by BoomChaCha: Mar 21 2016, 11:44 AM

Wow UOB is upping the game. Would have moved my scb to here but too bad cant make the due date. Hope OCBC counter fast.

Called UOB PB centre, confirmed that new FD promo 12 mth 4.5%. Till end of March, min 10k fresh fund.

Goodie from UOB. Originally thinking no more 4.5% thingy.

That changed my coming plan. However as part of diversification plan, will still nego with BR for higher rate.

Big Bones should be happy as 5% target not lost yet !

This post has been edited by bbgoat: Mar 21 2016, 12:05 PM