call your preferred uob branch

not all are the same

you're kidding, right?

who can predict or even know for sure the OPR for the next 18mths la

next 18 mths (from now) means there are about 9 MPC meetings to go.

even after each MPC meeting, nobody knows exactly how each bank reacts to it.

FD rate doesnt rely on OPR solely and exclusively, there are other combination factors too.

i know that

just get the ATM card lor, but must make sure it's BSA and without annual fee.

use HLConnect App, Instant Transfer to other banks. FOC for IBFT via hlconnect app.

then in HLB web, perform FPX and extract fund from the other bank.

even if BSA comes with DC, there are 2 options:

1) Option 2 @ unlimited ATM withdrawal but with AF
2) Option 1 @ limited ATM withdrawal but no AF

NTB definition is quite narrow, must not have ANY accounts with UOB. so, the 7day grace period of transfer for fresh fund would not be possible.

alternative is to bring cash or cheques/bc from other banks.

exactly, unless it's a huge sum, the difference may not be feasible.

howver, most ppl here purely compare on numbers alone. oh well.

have u spend some time in hlconnect? there is a place showing your efd account. click inside to find out the placements that you did.

dude, that is why looking at % rate alone is not practical. must look at other factors too.

If the ‘Auto Renewal’ column is selected as ‘No’, the placement will not be automatically renewed and will be automatically credited into the Source CASA and / or Designated CASA on the maturity date of the relevant eFD.

just monitor your hlconnect. if somehow it autorenewed, then uplift lor. you wont lose any earned profit (previous cycle) because it has been renewed to new cycle anyway.

p/s: someone will write longer explanation to you soon

not new, already out for 1 month

watevs' let him be

PB Special FD/TD-i Campaign

Please be informed that the promotional interest / profit rates for “PB Special Fixed Deposit / Term Deposit-i” Campaign has been revised with effect from 2 March 2018.

Click here for the revised Terms and Conditions

eIFD-i/eFD Plus Campaign [ MBB ]
Campaign Period: 26 February 2018 to 26 March 2018

Skip the queue and deposit online with eIslamic Fixed Deposit (eIFD-i) / eFixed Deposit (eFD)

Enjoy great rates with a minimum deposit of fresh funds RM5,000 for Individuals/Sole proprietors.

Offer is open to Maybank / Maybank Islamic customers and is applicable for Conventional and Islamic Fixed Deposit placement of fresh funds made over Maybank2u. The campaign is valid from now till 26 March 2018 or upon reaching the overall limit, whichever is earlier.

Tenure	Campaign Rates
7 Months	3.80% p.a.
9 Months	3.85% p.a.

*Should there be any Overnight Policy Rate (OPR) change, the offer rates may be revised.


Click here for Terms and Conditions (Conventional)
Click here for Terms and Conditions (Islamic)
Click here for the process flow to make an eIFD-i/eFD placement


let's see how many gonna reply that the rate is low, others are higher

read the t&c

1.2 The Campaign is available at all PBB and PIBB branches in Malaysia.


unless stated otherwise as eFD, most FD is OTC-basis

or Conventional HLB FD too

https://www.hlb.com.my/en/personal-banking/...2-month-fd.html

IFD-i / FD Women Campaign [ MBB ]
Campaign Period: 7 March 2018 to 6 April 2018

This exclusive offer is open to all new and existing female customers only in conjunction with International Women's Day.
Enjoy great rates with a minimum fresh deposit of RM10,000 for Individual in a single certificate.

This offer is only available over the counter at all Maybank branches in Malaysia.
The campaign is valid from 7th March to 6st April 2018 or upon reaching the campaign limit, whichever is earlier.


*Should there be an Overnight Policy Rate (OPR) change, the offer rate may be revised.

Terms and Conditions Apply

dont undestand the RED highlight above.

were you aware of the new T&C posted in HLconnect?

// Effective 1 February 2018, all interest or profit earned under new eFixed Deposit/-i placements will be credited into customers’ nominated current or savings account/-i every 6 months and/or at maturity. //

since you said you were waiting for month 1 profit, i guess your placement was in Feb, hence falls into the new T&C.

This post has been edited by cybpsych: Mar 13 2018, 07:34 AM

definitely NO

read the t&c, the link is inside the page captured by your screenshot

my experience terbalik with yours

went to Alliance, die die need CASA, refused to do pure FD. walked out to Ambank nearby

Ambank 12mth 4.38% is for existing customers with CASA! not necessarily existing FD or anything! tempted to open my own CASA, but the stupid bank "only" offer CASA with debit card + annual fee of RM8.48! argue argue till malas to open CASA since i have no business with them except this FD placement anyway, so not really worth the trouble to upkeep the CASA.

jumped to Ambank 12mth 4.35%. no need CASA, but need to let it auto-renew so that it doesnt auto-credit to CASA. downside is i need to monitor the maturity and uplift it later. i'm OK with this arrangement.


also put another fund back at PBB 12mth 4.28%. best part is, with existing joint-FD account, only 1 party can go and put a new placement. since money in PBB CASA already, staff asked to top-up 2k. no frill.