Latest/revised T&C from Maybank on latest GIA-i campaign

For now, highest fd at 4% is at alliance bank , HLB online fd placement and uob?

for HLB Connect FD, is it possible to request for a hard copy FD document?

will HLB send the hard copy FD to your address after the online transaction?

I actually did made 1 fpx transfer from pbb on the same day I made multiple transaction to HLB e-fd but only once because I want to confirm whether will it work without the securesign token as mentioned by aeiou228 and it did work for me. I just did this for one time only for testing purpose

Suprisingly I didn't even apply for the securesign token and I can successfully bypass it using fpx

Thanks for remind. I am new here. Just that using mobile and it is not easy to type and nv think of that multi thread at all. Plus, my intention is not spam. Instead, I think of what at that moment and next moment then only post. Thanks again for remind. 

chrisoth80 In future please use multi-quote for 2 or more posts at one go.

Please read this Forum's FAQ and adhere to it --> https://forum.lowyat.net/index.php?act=faq&article=10

Thanks.

uncle08 Kamen Rider I am able to use multi-quote without any difficulty even using mobile. Since the Forum's FAQ mentioned about multi-quote, just adhere to it. Every other forummers here are able to use multi-quote without any complaints so far. Thanks.

I expect bnm to cut rate this coming meeting
Don't be fool by those banks report saying opr maintain because if bnm cut, FD rate sure drop..
So better be safe than sorry..
Lock up the best rate for now..
If bnm don't cut, then good. Can place more good rate FD

Just lighten up a little bit !

Thanks for the info. I was sceptical initially. Tomorrow going to try it thru' MBB to place the HL 6 mth 4.15% FD. This is a good deal not to be missed. That's why I allocated some amt from OCBC matured FD for this one. To avoid lost of interest, put it in MBB GIA-i for 1 day.

So lets see tomorrow. 

I got no problem with multiple fpx transaction from 1 bank itself

Nope. No email. SMS is TAC upon FPX from M2U.

And ya, I keep the FPX receipt.

Will try tomorrow 

30,000 x 4.15/100 x 181/365 = 617.383562
181 days  for 6 months for placing in month of November 2016.
Divide by 365 days - not 366.
Interest due 617.38 for principal 30,000.

There's no promo left for this month. Based on past few months (from other LYN members), the promotion will re-open on 1st December. For me, I'm still putting my fund into GIA, but only 3.55% now until 1st December. Then once I confirm the promotion is back, I'll uplift and place it again to enjoy the promotion rate.

No need to apologise as far as I am concern. Everybody expresses own ideas of how things work and we can all share and feedback the views, hopes, experiences and weird differences we meet at different places. If we get it wrong, it just means some bank communications or staff are not clear enough or are also clear but confused themselves - something we meet all the time.
If you read my reply to Kamen Rider, the compound interest formula for Maybank GIA would have i/366 instead of i/365 for days in 2016.
The value of i profit (interest rate) is probably not constant and varies according to dates set by Maybank.
And even if you managed to uplift and replaced each day for a short period where the profit (interest rate did not change), you will likely get less than the figure computed by the formula, because of the effect of how the tiny figures after the sen are treated by the bank.
There may also be a potential problem of whether Maybank will try to ensure it is really fresh fund from other banks if depositors start doing daily uplifting and placing with the original money and interest, even though it may be attractive, legal and good business for the bank. Practices and policies depend on bank people's perspectives and certainly some can be really bureaucratic and not well thought out or helpful.
If I remember correctly, the payment of profit each month at the date of placement, is into your CASA (savings or your current account you named), and it is not added to your principal. Thus there is also no compounding effect on a monthly basis.

Nomura forecast 50bps cut in SRR from 3.50% presently
If materialize, how will tis impact the FD rate? 

hope interest rates go down.... less repayment for loan

in 1998 it was 12% at one time

That time a lot of ppl went broke woh....

I like yo stmt on 'shld'
Perhaps, tis time u "shld" showhand