what about unknown source of income which declared as donation?

what i did here is simply instilling public awareness of how would a bank approach an individual vs a prominent public figure for example you know who, when it comes to income declared as donation.

whereas,

what you did there is stating a whole lot of assumptions that bears no significant whatsoever for your time spent or whoever reads it.

what happened to 4.1% (effective) promo? if still valid why never use it.

for GIA, if FD expiry stated today, can withdraw today or need to wait till tomorrow?

again, if GIA capital defaulted, it means maybank bankrupt. Luckily u can withdraw prematurely with interest.

i want to highlight some not so professional practice of GIA:

1. no clearly printed document name specifically. (at least put investment cert or FD)

2. no clearly printed promotion. (at least mention Campaign or normal GIA)

3. no clearly printed rates. (you dont even know how much the interest rate by looking at it)

without these, you don't have any legal rights over the bank.

The bank has the upper hand when it comes to dispute.

last i checked no more, went for 4.1% GIA instead.

yes, but if 'unlocked' u still get 3.6%, if complete 12months, u actually get more than 4.1% if u instruct for interest rollover.

who would go for Islamic (no PIDM?) for 0.05% extra, i wonder.

whats the next best rate after 4.1% Mbb Gia for 12mths?

have u got it?

weird bank that thinks like pasar borong.

i thought u meant 6mil and 12mil, lol.

why settle for 4 when u can get 4.1 or 4.15?

This post has been edited by lowya: Nov 2 2016, 02:09 PM

anyone see a better deal elsewhere than FD (assuming reasonable risk profile)?

no bad for maybank to pay u 3.6% and invest in ASN to get >6% with same risk profile.

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 thought it was a current account opened for that HL Connect without any annual fee you still get a debit card?

whats the deal like?

yea, overnight we are down 6% in currency value, whatever we have saved small FD interest in past year has just wiped out.

anyone has pull out Ringgit to somewhere else already? It's a little late, but in case more to come..