i dont really check the rate for that extra 2 days,
As long as got extra interest paid
i happily take

if promo rate matured 2 days ago ,
FD already auto renewed at ?board rate
we go withdraw that new FD prematurely
2 days paid at board rate is fair i think

to get paid for full promo rate cert should auto adjust
maturity date 11.1.2025 should be auto adjust to 13.1.2025.
some banks  do auto-adjust tak makan customers eg BR
PBB no, MBSB no,
alliance bank also makan type
found 2 FD mature 13.1.2026 and 18.1.2026 Sat Sun

now that you asked i login my MBSB check my FDs matured on Sat 11.1.25

400k@4.4% 11.1.24-11.1.25, i withdrew on 13.1.25 got RM17467.48
another 254.5k @4.4% same, i got RM11228.21

got some RM77+ extra
better than nothing

i am keen  to know if anyone got FD cert printed maturity on Weekend or PH
then withdraw maturity next business day got  paid extra at promo rate.

i think there should be none
as such bankers would have auto adjusted their maturity dates.

you should use KDI
1)FD tied down your money, stuck for 6 months
opportunity comes you miss again.

2)KDI pays higher rate but of course 50k per acc
might need some maneuverings for me no issue

jeez, how misinformed are you..

KDI is 4% EAR, or 3.925% DAILY, for first 50k.

and you deposit into KDI by FPX, not by cheques wtf.

dare not try cimb one tia, hlb one more steady, but all in all better stick to pure fd this year, looks very uncertain

i placed once few years back, after a week of two, receievd sms / email (i forgot) saying the interest rate was adjusted to x.xx (i think about 0.25% lower or so). i uplifted.

cimb tia.

nvr heard of similar case since then. but thrn, just avoid. no point, gain is too little.

HLB e-FD from 12 March to 6 April 2025.

Min deposit 1k and max 200k.

I think best 6 months (3.88%) rate among all banks as at today.

Public Bank is a pain and too strict.

Change phone need to go ATM or branch to activate Secure Sign. After that, 12 hours wait.

If you duitnow transfer big amount to a new account first time, even after you approve with Secure Sign, they still hold it for 12 hours. 

Even duitnow to a new account first time under your name, they also hold it for 12 hours. 

To me, this is too strict. I use HLB,  CIMB, AmBank, Alliance, Boost, GX, Aeon, SCB no such hold for new account transfer as long as approve with Secure approval.

not true. some banks will need to do verification, could range from couple of hours to next day. some banks allow the FD to start on the same day while some bank insist the banker's cheque to clear first then only the FD will start.. Best to clarify upfront with the bank you placing FD with

i rmb last 2 years when i placed at Bank Islam, SA account opening and everything done on same day, but the FD had to come back the next day while waiting for the banker's cheque to clear verification.