unfortunately, the intended fund are all located at a bank, and the combined limit of ibg+ibft cant exceed 50k a day. Thus, it takes forever

just put in the minimum amount required..willing to take that risk

1st No charges or fees imposed from FPX if you transfer from other banks to HLB E-FD Promo

2nd You can make multiple transaction in a day from a single or multiple banks with each transaction limited to 30k and still no single charge or fee imposed by using FPX

The only letdown is you need to wait 20min for each transaction to go through because I spent more than 5 hours to complete whole transfer on that day

ya i think the bank will somehow take into consideration on opportunity losses by its customers as well as own reputation and call back before it really reaches maturity 

how soon they called back upon hitting the barrier ?

3-month @ 5.2% but only half of your amount in the FRNID

unfortunately, the intended fund are all located at a bank, and the combined limit of ibg+ibft cant exceed 50k a day. Thus, it takes forever

Just did conventional FD with affin bank - 13mths at 4%. FYI.

how did u get 4%? is it large amount?

I just contact officer from affin and got 4% for 13m but sum must be over 100k and valid until next week only

Why diff branch diff policy?

Yes. Our ultimate goal for fd is to get the best return irregardless of any amount

Hope to see better rate in 2017

Gahh,i should have know this earlier

Yes, Affin is still having same promo, and for >100k @ 13 mths, branch can nego with HQ. the branch mgr said while she can do her best to nego, it is very much depends on the HQ side coz she said some of her customers who brought in even 110k, were given 4%, yet those with 200k didn't get.

Yes. Maximum amount for each FPX transfer is limited to 30k and you can perform multiple 30k transaction like what I did. Thats why Im willing to share the multiple fd placement I did with hlb as a proof or else ppl might keep asking whether its from multiple bank la, must be corp acc la

Some old timer fd guru will still prefer 12mth over 6mth due to possibility that rate might be heading south as for me Im willing to take a bet and keep a portion for short term like 3 to 6mth while the rest are 12mth

I did mention that I have an existing fd with xxx sum and I wish to retain 4% so please try to get approval for this rate if can and 10 mins later the office gave me a call back and told they can give 4% but it must be over 100k and must place before end of next week

I din go for cimb 3m because I still prefer hlb 4.15 6mth and also I dont want to add another bank to my fd list unless the rate is attractive

Security is not a great a concern unless someone able to hack into your banking acc and hp no. as you need to go thru 1st the login window from the bank that you wish to withdraw out and then the another verification code send to your hp like those tac, otp to verify the transaction from the righful owner + you will receive a sms from HL Connect for every successful transaction and they will send you an email with detail info on each transaction as well

my fd just matured yesterday and i want to place it somewhere else.

hong leong seems good with 4.15% on tuesday deposit, but i think i must have savings account in order to put that efd. but i just cancelled my savings account last 3 months. if i open an account, i think there will be charge (like annual fee or atm card) which might be less nett amount if compared to other fd promo.

i am now considering either MB gia campaign (4.1%) and BR (3.95%), both not protected by PIDM, and gia may revise their promo if OPR change.

i would be glad if someone would give opinion on this. hee

Last week u say above 100k

Now is 50k ???

Ahhhhh......

If I do multiple IBG today into HLB savings account , and then enrol for the 4.15% tuesday FD promo , will it be considered as fresh funds?

Ok thanks bro. Any idea how long will I have to spend to put in about 200K in multiples of 30K? Because I will have to juggle my time in between work timings.

I tot u r 1 of them 

Went to Affin tis morning
There is no promo for 12 mths FD except at board rates

Today went to OCBC Penang PB centre to terminate matured FD. OCBC PB centre really busy this Monday. RENTAS part of the dough out so as to place FD as fresh fund.

Got 3 mth FD at 5.2% by buying UT from RM. The FD amt is 1.5X of UT purchase.

Then also placed for their 13 mth 3.95% FD promo.

Still have some dough left for tomorrow's HL's 4.15% 6 mth FD.