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 Fixed Deposit Rates In Malaysia V. No.13, Strictly for FD Discussion Only

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mamamia
post Jul 27 2016, 05:10 PM

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Placed FD at BR today.. The staff r very friendly.. Open a saving acc with RM10 without ATM card as I didn't bring banker cheque or cash, so need to open saving acc to do IBFT.. Else, u can straight open FD account

By the way, receive a towel as gift after open FD ..

This post has been edited by mamamia: Jul 27 2016, 05:11 PM


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mamamia
post Jul 27 2016, 07:34 PM

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QUOTE(kit2 @ Jul 27 2016, 05:51 PM)
did you get monthly interest crediting?
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I didn't ask about this.. Where can I check?
mamamia
post Jul 27 2016, 08:05 PM

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QUOTE(bbgoat @ Jul 27 2016, 07:48 PM)
Check FD cert, bottom left (IND - MTH). The MTH indicate monthly interest.  biggrin.gif
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Oops, I didn't check, will check tml as I left the cert in office

QUOTE(coolstore @ Jul 27 2016, 07:50 PM)
which branch?  drool.gif

put 5k 1mth can get?
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I've no idea on the gift.. As i didn't ask for it but the teller gave me straight after he pass me the certificate.. N I place for 12 months 4.38% instead of 1 month
mamamia
post Jul 28 2016, 12:24 PM

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QUOTE(kochin @ Jul 28 2016, 08:55 AM)
i was about to ask whether you obtained any free gifts too.
there were some who reported they got parker pens and all.
i'm so jeles.
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I checked, my interest is credit yearly
mamamia
post Jul 28 2016, 02:40 PM

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QUOTE(bbgoat @ Jul 28 2016, 12:28 PM)
Have to specify upfront to BR if u want the monthly interest (if qualified) during placement. Of course u can go back to them to change it.  biggrin.gif
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Wat is the tnc for monthly interest? Min amount?
mamamia
post Jul 28 2016, 06:58 PM

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QUOTE(bbgoat @ Jul 28 2016, 06:37 PM)
Could be. For me, every time I remind the teller that I want monthly interest.  biggrin.gif

But some people may prefer interest at maturity.
Min 5k and 6 mths and above tenure, for monthly interest.  biggrin.gif
Have been collecting FD cert on same day when placing FD in BR using personal cheque. Maybe they already know me and I am Xclusive member.  biggrin.gif
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I've checked with the staff today, they mentioned this promo rate is not entitle for monthly interest crediting.. Only applicable for non promo rate.. I think after OPR cut, they become stringent.. I heard a conversation of a customer mentioning she was offered 4.4% earlier but she didn't take up the offer and ask whether she can still get it, the staff told her now promo rate, cannot get better rate anymore. No negotiation rate.

mamamia
post Jul 28 2016, 09:10 PM

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QUOTE(bbgoat @ Jul 28 2016, 08:04 PM)
Well, my FD cert showed the monthly interest for the 12 mth 4.38%.

Hate to have to show it as proof. Like last time have to paste here and there.  tongue.gif
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I guess u r exclusive member.. That's y they offer u monthly interest
mamamia
post Jul 28 2016, 09:20 PM

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Anyone can set up online banking for BR if I didn't opt for ATM card.. Just got passbook..
mamamia
post Jul 29 2016, 07:30 AM

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QUOTE(bbgoat @ Jul 28 2016, 10:37 PM)
No, I don't think it has anything to do with being Xclusive member. See below post.
So the monthly interest is there for the 12 mth 4.38%.

There is one Penang forumer told me he got the cert changed after talking to BR. But it is BR's error. So he got the cert changed from interest on maturity to monthly interest.

Anyway, it depends on the branch and your negotiation with them. biggrin.gif
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QUOTE(bbgoat @ Jul 28 2016, 10:48 PM)
Thanks for the confirmation that the monthly interest is available for this 4.38% 12 mth BR promo !  thumbup.gif

Some guy just have a thick skull, hope that this will clear up the air !  tongue.gif
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Ok, I will go today to place another FD and I will ask again whether they can offer me monthly interest..

QUOTE(kit2 @ Jul 29 2016, 12:27 AM)
Wow, thanks for the link.. Gonna go to branch and ask them to register my mobile number too.. Thanks a lots.. Coz the teller said I must have ATM card to register online banking.. Now I know the teller is not knowledgeable enough..
mamamia
post Jul 29 2016, 01:40 PM

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QUOTE(bbgoat @ Jul 29 2016, 08:40 AM)
Ask them for the monthly interest. Ask them to call the HQ if they still say no. So far, 3 persons here (include me) said they can get the monthly interest.  thumbup.gif
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Ok, thought to go during lunch time.. But they closed from 12:45pm to 2:30pm, gonna walk there again later
mamamia
post Jul 29 2016, 02:07 PM

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QUOTE(fishmango @ Jul 29 2016, 02:03 PM)
4.38% fd which bank?
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Bank Rakyat
mamamia
post Jul 29 2016, 03:16 PM

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QUOTE(bbgoat @ Jul 29 2016, 01:41 PM)
Today Friday and they will be closed until the 2.30pm.  biggrin.gif

Good luck ! Anyway today is last day for the 4.38% deal !  :thumbsup:
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Bad news, the branch manager insisted that not available for promo rate.. Again, it is Jalan Pinang branch.. So, no choice for me.. sad.gif
mamamia
post Jul 29 2016, 03:23 PM

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QUOTE(kit2 @ Jul 29 2016, 03:20 PM)
when i heard jalan pinang branch disallows, i avoid that branch like plague. in malaysia, bank staffs on the ground have the final say, despite what hq says.
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Ya, but that the nearest branch I can go.. But good things for those who placed today is get extra 2 days interest since 29/7/17 fall on Saturday. (Untung only if no increase in OPR after this)
mamamia
post Jul 29 2016, 03:46 PM

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QUOTE(kit2 @ Jul 29 2016, 03:28 PM)
yes, mime has monthly profits and like yours will be maturing on july 31. it is a monday, and that sucks for me since i'm always outstation on monday to wednesday. wished it could end on july 28 instead.
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U can request to end earlier.. They give me option.. If I don want the extra 2 days interest, I can opt to mature on 28 July.
mamamia
post Jul 29 2016, 08:36 PM

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QUOTE(jhlou @ Jul 29 2016, 09:40 AM)
I just place FD at BR Jln Pinang yesterday. Specifically asked to credit monthly interest but was also told cannot. The staff mentioned something like because this is a promo rate and my FD amount is less than RM50k.
And for the Internet banking thing, I also was told by branch staff that it cannot be done as I do not have ATM card. Minutes ago I called their hotline and the CS said will ask someone to provide me with temporary ID later today. Will see how it goes.

Updated on 12pm.
BR staff called and provided me with temporary Id and TAC.
Able to register with IB straightaway.
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I received their call at 6:30pm for temporary ID.. At first I worried is prank call coz ask many question..
mamamia
post Jul 30 2016, 10:04 AM

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QUOTE(dannyw @ Jul 30 2016, 10:01 AM)
What he meant is in order to open HLB islamic account, need to deposit RM200. I was having the same treatment. Reason is for i-FD interest to credit in. I'm existing HLB account too.

Indirectly was lock the RM200 there. But the staff say can withdraw it out after a week.
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But HLB-i 4.15% 6m ended ytd too right?
mamamia
post Jul 30 2016, 03:41 PM

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QUOTE(Vio @ Jul 30 2016, 03:36 PM)
hello guys would like to ask my fd with hongleong intially was from  25Jan2016 till 25July2017 but i forgot about it and when i checked it got renew to 25Jan2016 to 25Jan2017 (6months, 3.1%)

will this affect my earlier placement rate which was 6months,4.5%
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No, ur earlier placement still earned 4.5%, now auto renew is 3.1%, but u can will uplift that, just lose around 1 week interest
mamamia
post Aug 17 2016, 04:56 PM

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QUOTE(nbi @ Aug 17 2016, 04:28 PM)
website mentioned "Effective from 16 July 2016 to 15 Aug 2016"

does it reduce our interests for that periods as well?
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I think the date is incorrect... should be Aug till Sep...
based on my interest receive ytd, i still get 3.75%

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