Is the placement amount substantial to get the pen?

Bro you mean the IBFT limit is applied to every single account, and not a cumulative limit?

Are you saying if one has 7 different type of MBB CASAs linked in ONE (1) Maybank2u login, one can IBG/IBFT RM30K out from each type of MBB CASA (RM30k x 7 times) within the same day via the same Maybank2U login?
Have you done it before?

raptar_eric and aeiou228
Your questions are off topic.
Linking does not mean computer so smart can accumulate. You link your savings and current accounts, set them to minimum, and then you want to ask cannot transfer full limit each. Mana ada logic. Not easy, even principle and supplementary credit cards program cannot handle grand cumulative total but have fixed limit for each card because transactions can happen at same time.
The idea of linking - so can use 1 ATM card, 1 pin, 1 login can see and do all linked different accounts. With extra benefit FOC instant transfer any amount available (subject to minimum which must be maintained in Savings Account - RM10) within the linked OWN accounts. The total is never shown like in a combined statement.
Of course, I never tried to IBFT 200 k. If you have that kind of money, it is smarter to use the PMA cheque because extra free cash. If you understood the explanation, you should figure that out yourself without being told.
If a reader can be provoked to answer or comprehend the implications and bother to work out the situations in the Big Boss and Boss Kiasu stories, he is well on the way to bigger things. If cannot, maybe just attitude or comprehension problems. So cannot master the subject because not so black and white and all sorts of different situation for a susah straight answer. If say A, then like this happen, then no laku. Not like teaching arithmetic, but how to think. So susah like loyar burok or economist - all sorts of if this or that conditions.

I changed the maturity instruction to credit all to CASA. Then was able to IBFT (free) the fund out. But have to do it over 2 days. You have option to place the eFD or whatever instead of the fund idling in SCB. 

Yes, all my SCB FD was Renewal Instruction 2. Last year I changed one of them which matured on Sat to credit all to CASA (not sure if it is "3"). This was done OTC when I was taking out matured FD.

But I did not move to MBB GIA-i at that time, frankly speaking that time was sceptical about it.

Edit: It was posted that BR 4.38% ended already ! Please see afternoon post.

Dear all

just to share the info

UOB BANK (PROMO TILL END OF JULY )
5 MTH - 4 %
10 MTH - 4.15 %
12 MTH - 4.25 % 

BANK RAKYAT
12 MTH - 4.1 %
I DOUBLE CONFIRM WITH THE CUSTOMER SERVICE OPERATOR , SHE SAID THE 4.38 % PROMO ALRD END ON 30/6/16


PUBLIC BANK
12 MTH - 4.2 % EFFECTIVE CAMPAIGN RATE
https://www.pbebank.com/Personal-Banking/Pr...A-Campaign.aspx

Experienced with one bank separate IBG and IBFT limit one, so totally combined limit can be transferred become 50K+30K.

Great info! mind sharing which bank is it?

The question of why cannot do IBG/IBFT for FD or anything else is a common complaint from those not experienced or fully complying with details in the rules. It is only after getting explanation and really understanding the implied and unwritten meanings, learning from the mistakes and solutions in Frequently Asked Questions, reading customer complaints, you really know what your situation is and what to do, that you will succeed. It is really not that simple and even the IBG/IBFT thread does not cover every trip-up or solution.
Usually failures occur because of extraordinary situations not written-up in detail or misinterpretation of the manual and snappy brief instruction which will work for the normal case. If you want the answer in 1 or 3 sentences - most likely failure becuz already unable to comprehend many unspoken implications not said. If you go to a bank and wait, you can always see bank staff explaining but later the customer comes back to say cannot do. Then some bank staff will go and help. In some cases, the bank staff are also defeated by the bank's computer system and they reset and even after more problems, change ATM card, or give up (refer to HQ and never comeback).

For high worth individuals, the major problems are:-
1) unfamiiliarity - seldom do and no sad experiences to learn from
2) disregard of the rules - think anything also can as if the computer cares a hoot and unwillingness/inability to learn and comply
3) high minimum amount must be maintained for their high value account but forgot to take this into consideration with transfer charges and gst to cover the ADEQUACY RULE.
4) their account/s are not clean and stand alone - meaning they have compromised their ability such as taken up  TAGGED FD products or funds where a certain high percentage or absolute amount is locked in CASA. The problem begins when the staff says can withdraw or transfer (meaning in general normal case) and you did so OTC, but the system remembers the condition and says NO later - inadequate/rejected. Things get confusing when you take up a number of tagged products including FD, as the ADEQUATE AMOUNT changes.
For some cases, it is a TIMING problem, which is usually worsen by charges and gst. Some banks are notorious for their high charges and sticky rules. This usually involves cheque clearance and overdraft, time clash with standard instructions for autosweep between current and savings account, autopay for loans, to others like wife and children in foreign currency studying overseas, credit card, annual fees such as ATM card, current account, bank deposit box charges and a whole bunch of charges. This is particularly difficult for those who have high penalty and interest charges for credit card late payments.
Some high worth accounts have peculiar rules to attract their customers which can clash. This all falls under one sentence in ADEQUACY RULES. Specific Terms and Conditions applicable to each account and situation on top of  general IBG/IBFT rules.
5) In the worst case, the account may have some sort of unremoved  block because of former complaint to bank of unauthorised transfer or to avoid some mistake or ATM card loss.
6) Use of account that cannot be used as not yet fully activated or already dormant but still showing in computer system - but cannot do anything.
7) Each account limit change and IBG/IBFT transfer needs its own TAC authorisation - you cannot change all of them with one TAC authorisation by SMS or if you mixed up the TACs received.
8) Do not confuse the poor servers and yourself by doing all at one login session. It can take some time.
9) For those who do more than one transfer per account, they face the DECREASING ADEQUACY PROBLEM due to IBG/IBFT charges and gst. That means usually cannot do the last transfer.
10) Not quite the same in ATM, due to peculiar rules about usage frequencies, free and charged access/transactions per month etc applicable specifically to the account or bank in question. It can get pretty bad.

One sentence reply - Maybe make a mistake. There are all sorts of reasons for failure, some easily understood and solved but some even the bank and HQ are at a loss due to their system. Please understand that this can get very complicated and depends on the individual to understand the status of his accounts and the bank and account peculiar conditions and terms of use. Most people do not read the terms and conditions fully, instructions, FAQ, and feedback. And even if they do, the language may be beyond their language ability. The implications (not in your favour) may not be fully spelt out. Or find it hard to believe which conflicting report not realizing the different unique undisclosed or changed time situations that make each different. Anyway failure is expected and normal initially, so no big deal. Otherwise no need to go to school, manuals, training, feedback  or have customer help.

Good luck, hope you will succeed. If you already compromised your accounts, there is nothing much that can be done.

I have no problems of your wall of text as long as it's expository.

This is a public forum and we have no curtailment of 'wall of text' here as far as i concern, so keep it up!

THE KFH INTERNATIONAL COMMODITY MURABAHAH DEPOSIT-i (“ICM”)
6 mth 4.25% min 10k
12 mth 4.35% min 10k
The Campaign offers payment of profits in advance, int will bank in acc after dep 2+1 day
The Campaign shall run from 4 July 2016 until 4 October 2016
T&C http://www.kfh.com.my/kfhmb/ep/images/v2/d...1072016_eng.pdf

i got my interest a few days later, into KFH savings account.
It worth the trouble

When i placed mine yesterday at BR, I was also given the options of monthly credit or credit during maturity. I chose to receive the interest upon maturity because dont want to open SA.

Ok, I will go today to place another FD and I will ask again whether they can offer me monthly interest..
.

not bother to ask haha..

cause my fd(s) i opt for interest during maturity .. but next time will ask.. still prefer take interest at maturity

Yea I prefer to have interest on maturity also. Easier to track what funds plus interest went where. Monthly interest won't do much since I don't survive on that.

Well previously I also ask for interest on maturity. It's easier & also I'm not gonna use it anyway..

If I am getting RM200k annual interest, i will definitely opt for monthly interest credit. Unfortunately I dont have RM4.5mil to put at BR. Haha..

Also no BR branch that is convenient for me. The nearest branch that I put I need to drive over plus parking over there is a problem too. Seldom deal with BR, so I see no point of having SA with them too.

Guess its depend on individual needs lah

I am with you on this ! Where possible, I always ask for monthly interest.