MBB previous GIA-i promo (for other forumers: plse note EXPIRED promo !!) 7th to 10th mth 4.5%, 11 to 12th mth 6%.

Checked the online interest given to see if it is the correct interest banked in. Since still 4%, so complained to them. They acknowledged the issue.

Anyway, for the 8th mth, they did manually gave me the 0.5% interest on the 10th of June (5th is the due date). So no need for me to call them.

This post has been edited by bbgoat: Jun 13 2016, 05:45 PM

Today terminated 2 MBB GIA-i 4% interest deal. Received exactly 4% rate by the number of days they were placed. Great deal !

Smooth on placement and withdrawal, like a breeze ! IBFT the fund out for its intended purpose !

For another FD promo, for investment, for family tour .................

You guess ?

This post has been edited by bbgoat: Jun 14 2016, 12:09 PM

The 2 GIA-i principal amt intact. Daily interest at 4% p.a. exact to the dot.

The 2 placements are about 10 days and 17 days. Would not have earned anything from FD. SA miserable interest. Earned extra pocket money.

This post has been edited by bbgoat: Jun 14 2016, 09:45 PM

The eGIA-i is just the term when u placed it online. In the MBB system, it will use GIA-i term.

Same 4%.

Good deal for short term fund or those that unsure of for the moment.

For PBB, I asked about my FD that matured on Sat. The counter staff gave me the 2 days interest in cash, on Monday. So ask PBB when u redeem your FD on the working day.

This post has been edited by bbgoat: Jun 16 2016, 08:43 PM

Last time, I was asked to top up RM100 to get the current promo rate for matured FD in RHB. No fixed T & C, I think.

I was surprised for my case, the counter staff just gave me the cash without seeking approval from officer, after doing calculation.

Ya, they would calculate based on board rate.

For my RHB case, have to talk to the officer. Then they calculate based on board rate for 3 days (Friday holiday), got close to RM100 or so.

AmBank talked to the ABM, they bank in the add'l interest based on board rate to SA.

This post has been edited by bbgoat: Jun 16 2016, 10:44 PM

The counter staff normal would ask for the 25% (around that number, depending on banks) for matured FD for current FD promo. So one time in RHB I top up RM300 (counter staff asked for >RM500). Then in Feb, I met one officer there whom I already know and she asked me to top up RM100. But as a "courtesy" I top up RM200. Hahaha.

Anyway u could get the FD promo also if u said you only have RM100. If not u have to withdraw the FD !

In PBB, I was asked to top up something like RM2000 (cannot remember exact amt now), then reduced to RM800, then finally settled at RM500 ! As my wallet only left RM500 at that time ! Power of nego !

This post has been edited by bbgoat: Jun 17 2016, 08:27 AM

I only refer to getting matured FD to place into FD promo. (Not nego on FD rates, just in case someone mis-read here. So far I never nego with PBB on FD rates).

Today actually has RHB FD due. But looks like have to let it idle. Then next Tuesday to combine with other FD due. Not worth effort to go there just for that FD.

Now thinking phone banking of CB is good. That I can just call and terminate FD and put back into SA. Then can IBFT to MBB for the GIA-i pocket money.

This post has been edited by bbgoat: Jun 17 2016, 11:07 AM

TQ !

This just confirmed earlier thoughts that FD promo rates not going up, but coming down !

Big Bones, 5% ??

Your "slightly longer" means 2 yrs and above ? The 1 yr rate of 4.5/4.3% is slowly being eroded away.

Called HL Penang branch to ask about the 6 mth 4.25%. It is still running until end of June.

Then for seniors >50 years old, 6 mth 4.3% still running, no end date yet. But have to open a Harvest SA with 1k. Can withdraw the amt after opening so it is not tied to the FD.

Please note the above HL offers may run in certain branches only. Call before u go to the branch to make sure it is available in the branch concerned.

This post has been edited by bbgoat: Jun 20 2016, 01:18 PM

Last week saw you guys posts, so just now called Penang HL branch. They said still available. So maybe like u guys said, some branch still running.

For me 5 years already long term. Not many X10 years, agreed !

End of June, min 25k.

Play it cool, Big Bones !

Wa, extra pocket money also don't want meh ?

Anyway I think Mr Lim is referring to the 1 mil in the original post, not the RM 109.

This post has been edited by bbgoat: Jun 20 2016, 06:28 PM

Today terminated matured FD in RHB, gave the bank 4 days free money. Also terminated HL matured FD. HL service manager asked where am I moving the fund. Told her straight answer, moving to Affin.

Went to Affin to place for the 12 mth 4.5% FD.

Kind to share which bank has good rate for the 18 to 24 mths ?