Hi I'm new to FD. Since BSN/AFFIN/PBB are offering 4.5% p.a. Any difference i need to take note while choosing between them? Eg: open savings account is mandatory?

Great minds think alike 

I wud opined tat v will witness a drop in OPR in 2H2016
Thus, FD rate is expected to fall

So angry with BSN@Kelana Jaya !!
Went to open a FD there.
Took a number which is like number 4xxx and waited.
There was only 2 counters and they keep serving the 5xxx numbers which I guess it the normal banking service numbers series.
After 30 mins, I asked one of the counter if they going to service the 4xxx number and they yes, so I thought like maybe the next one since I remindered them.

But guess what?? They still continue serving the 5xxx number.
I thought maybe after this will my number....nope, it went to the next 5xxx number.

So I walked off !!!

Their attitude are like government departments. Thats why I dont bother with these kinda banks.

Hi fren,

Call UOB just now said they didnt offer FD interest 4.5% pa for 12 month.
Anyone that I can call to confirm about this promo.
Thanks

wait for 5% fd promo.  

I called uob customer service they told me 4.5 promo had ended.

u called them yesterday?
asked uob 2 days ago, no quota on tis & supposed to end by mar 31st. u heard fm where?

called uob customer service center they said current promotion are
1,3,6,11 month only

Just placed deposit with uob this morning.  Sigh.. Kena force to open savings account.. Rm8 for atm card.  12 mths 4.5%.

Just received a phone call from Standard Chartered Bank about Get Premier Member program:

(1) Introduce 1 person to deposit min RM 250K to FD at normal board rate, introducer will get one 32" LED TV
(2) Introduce 2 persons to deposit min RM 250K respectively to FD at board normal rate, introducer will get one 48" LED TV
(3) Introduce 3 persons to deposit min RM 250K respectively to FD at board normal rate, introducer will get one 55" LED TV

FD tenure is 6 months.

All depositors will get one mini Ipad for free...  :thumbsup:

I forgot to ask the brand of the TV..

Standard Chartered Bank does not have FD promotion now..  

SCB scenario: 250k @ 3.15% 6months= RM3937.5 +Samseng 32" LED+apple Ipad
other banks: 250k@ 4.2% 6 months= RM5250, no freebies

I will say that, the RM 1300 difference is well worth for a Samseng TV + an Ipad,
provided you have 250k in the 1st place 

You can sell the TV + ipad mini to pocket the profit. 100% profit. Gold plated toys hard to sell.

Easily can profit >rm1312.5. Ipad and TV sell slightly cheaper than market price. Sure profit.

One ipad mini 4 16gb WiFi from Apple malaysia sells for rm1599. Sell at rm1499, TV sell at about rm800, profit rm2299.

after a read through on the t/c:

Under the Priority Referee terms, Referee needs to deposit a minimum total of RM250,000 into both JustOne Priority Savings Account and Term Deposit placement for 6 months. The placement in JustOne Priority Savings Account has to be a minimum of RM50,000 and the deposit amount will be earmarked for 6 months.

as the justone priority gives only 2%, The scb effective rate dropped further to 2.92%.

The new difference is further increased to RM1600, if we only gets ipad mini + a made in china LCD TV, it may not worth the hassle.

Maybe Harp is right, better go cimb for the patung emas 

Trust me. People grab especially in garage sale. Some more condition is new and unused.

u think less by rm100 pipu will buy? 
tats mentality of a kiddo.  who want to join pb of bank, then have the hassle of selling the items later on. 

If interest < sales of items + interest, better take the gift and sell them like what unker boom did. By choosing the free gift and selling it, his effective interest rate shot up drastically. I remembered he showed the calculations for it. However, don't get bluff by bank like how PB try to bluff customer by giving a free Galaxy Note (not sure which version). Turn out even with the Galaxy Note, effective interest rate is lower than other banks. (if put FD same amount, still got leftovers after using interest given by banks - extra I think RM1k)     

However, if interest > total sales + interest, better take FD with the higher interest. 

Oh.. Thank You..  :thumbsup:

I hope this UOB promo will available until 30th.. 
Oh man..   calculation? No lah..
But I can only tell you that the TV & Medklin were my extra net profits on top of FD interest

You only meet the buyer during your free time.

btw, referral gets the tv. depositor just gets the ipad, no?
so in calculation, depositor only have the normal rates + ipad. tv at most maybe sold and split half with the introducer?
can share more info? primary banking with cimb but services sucks big time. considering to hop to others.
how to get the toys you mentioned?
this BR is getting more and more attractive thanks to bbgoat boss who constantly promotes them.
my ocbc free trolley bag fd just matured, together with 3 other fd cert from elsewhere.
mine sharing your rm contact? maybe he/she can assist me to set up an account or advice me on best approach to go about it to maximise gifts and rates?
kamsiah.