Their system so keng?

how about ...
i) at maybank , request bank draft ? go back to ambank and place FD with maybank bank draft ?
ii) or terminate existing ambank account , then open a new account to "perform the transfer and place FD"

Lol... I doubt that..

It's their people who determine that. Period.

Anyway... You can:
1. Open new account. Transfer funds to other bank. Then transfer back the next day to new account.

2. Top up the funds. Normally 10% and they'll waive the fresh funds requirement - that's what I was offered... Depends on the branch I guess...

If you being blacklisted you won't able to open any account with bank

what if you split your FD, means you put in as 2 FD, in 2 different day... hahahaha

btw, ambank now got promo, 3mths 8.88% bundle with amanah saham ASNB-kesihatan (they say annual interest is 6-7%), no min. fund, 1:1 ratio, 5% charge fee, declare dividen (not prorated) on 31st of march...

according to the PIC, if put in now, the ASNB-kesihatan, you pay 5% for the charges, when declare dividen, after contra the charges, means you will get net interest of 1-2% on this year (1st year)...

then, your FD on 3mths is 8.88%.... sounds not bad?

This post has been edited by ProxMatoR: Mar 1 2017, 04:14 PM

may I know about those FD interest u all get how to fill in the income tax form and which category? I know FD interest is out of tax right?

This post has been edited by owodog91: Mar 1 2017, 03:32 PM

No offence - but you have to understand the teller's position too.

They are tasked by the management to follow rules. If they were to tell u how to counter the management 's rules, who is going to keep them / pay for their rice bowl?

You can't ask them to risk their job for your convenience. There is untold rules hence you come here right?

Just my two cents.

Otherwise just move to UOB? 4% for 12 months.

any good offer recommended for march 2017?

44k just matured today

Appreciate

This post has been edited by fairylord: Mar 1 2017, 04:10 PM

HLB 4.00% for 6mths, min 10k, OTC. latest update

This post has been edited by ProxMatoR: Mar 1 2017, 04:13 PM

thanks...hong leong bank nearby, tmr go to check before withdraw from current bank

Any cut-off deadlines for this particular 'promotion/benefit', before i give them a call for their citigold thingy, so I'm assuming they're trying to push for their CC since I'm also assuming that you already have a CC from them? Plus the last I monitor my parents account, they were giving less than 2.7% lol.

They still can reject after failure of producing some reasonable documents to waive off their own damn liability.

This post has been edited by VinceCheong: Mar 1 2017, 07:02 PM

Just got message that HSBC offer 4 year non callable range actual FRNID

Minimum 65k principal protected if carried to maturity.paid quarterly with klibor range 0~3.9%

Anyone done such as alternative for FD? Is there such topic or threads?

March FD promo, call and info from banks TODAY:

UOB: Min 10k
1 year 4%
8 mth 3.8%
4 mth 3.68%

OCBC: Min 10k
MiFD 12 mth 4% with monthly interest
Normal FD 12 mth 3.95% interest on maturity

AmBank:
Normal customer 8 mth 3.68%
For their PB: 8 mth 4.08% min 50k, no monthly interest
For aged 49+, 5 yrs 4.35%, min 10k, monthly interest

RHB:
For PB, 12 mth 4.05% min 50k, existing fund can also

HL:
Conventional 6 mth FD roll over 3.8%; new fund 3.9% (this seems to contradict one forummer's input)
100k and above 6 mth 4.05%
Islamic 12 mth FD roll over 3.85%, if top up 10k 3.95%, new fund 4%

Tomorrow another round of FD merry go round. Also going for CB FD/UT combo of 9.99% and pure FD of 4.88% !

This post has been edited by bbgoat: Mar 1 2017, 08:32 PM

Better for u to look at various factors. Convenience, amt of FD placed, preference etc.

I have done one by CIMB with 5.2% payout. This has been discussed here few times before. Suggest for u to open a new thread.

Sifu, for both above banks, need to open CASA? TQ

Uob one no CASA needed

Ocbc 3.95% just FD
4% need saving acct

TQ

Thanks for the info

withdraw it as cash, then plus or minus few hundreds and cash always consider as fresh funds unless the branch not keen to do FD.

Thanks for your excellent effort. I am not aware of CitiGold promo. It started in March? UT FD bundled sounds attractive.