Oct 13 2019, 03:24 AM
QUOTE(cucikaki @ Oct 12 2019, 11:51 PM)
I turned 24 (less than a year), and I just notice that my CIMB SA no longer giving me interest. check2, my account need have at least average daily balance of RM5K.
Hence, I've been doing research today, at all banks since 5pm, and come across 2 banks, OCBC and SCB. - Should have just read lowyat forum, I go scroll each bank one by one lol.
OCBC is offering 4.1% while SCB offers 4.0% (I can't get the additional 2% as I don't plant to use their investment/insurance product.
Clearly, OCBC won here, and some more SCB is only until end of this year, 31 december 2019 (but i read last year it s until 31 dec 18, but they renew another year, hence maybe will renew again) - I reckon OCBC doesn't have an expiry date for this 4.1% interest right?
And I read the Terms and Conditions, both banks are using the same methods of calculating interest.
However, OCBC charges RM8 for it's Debit Card (which I don't think I will use since they charge RM4 per withdrawal at other ATMs and their ATMs are not as many as Maybank/CIMB) - will I be able to opt for this account without Debit Card?
On the other hand, SCB (Standard Chartered) Privilege Savers comes with free Debit Card and free withdrawal at all MEPS atm - which is a lovely feature.
So now I'm torn, between SCB or OCBC. SCB is just located between my office and my parking area. So I definitely will pass by every single day (provided I didn't change my job). While, OCBC is located behind my parking area. Conveniently both are near to my office.
As for requirements to be eligible for OCBC/SCB, I can fulfill both every month.
Now the consideration of debit card/ATM withdrawal. Can anyone share their thoughts/opinion?
SCB need credit card to fulfillHence, I've been doing research today, at all banks since 5pm, and come across 2 banks, OCBC and SCB. - Should have just read lowyat forum, I go scroll each bank one by one lol.
OCBC is offering 4.1% while SCB offers 4.0% (I can't get the additional 2% as I don't plant to use their investment/insurance product.
Clearly, OCBC won here, and some more SCB is only until end of this year, 31 december 2019 (but i read last year it s until 31 dec 18, but they renew another year, hence maybe will renew again) - I reckon OCBC doesn't have an expiry date for this 4.1% interest right?
And I read the Terms and Conditions, both banks are using the same methods of calculating interest.
However, OCBC charges RM8 for it's Debit Card (which I don't think I will use since they charge RM4 per withdrawal at other ATMs and their ATMs are not as many as Maybank/CIMB) - will I be able to opt for this account without Debit Card?
On the other hand, SCB (Standard Chartered) Privilege Savers comes with free Debit Card and free withdrawal at all MEPS atm - which is a lovely feature.
So now I'm torn, between SCB or OCBC. SCB is just located between my office and my parking area. So I definitely will pass by every single day (provided I didn't change my job). While, OCBC is located behind my parking area. Conveniently both are near to my office.
As for requirements to be eligible for OCBC/SCB, I can fulfill both every month.
Now the consideration of debit card/ATM withdrawal. Can anyone share their thoughts/opinion?
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