If your checking account has OD facility, your IBG timing can be extended till 4.59pm, the IBGed fund will cover up your OD before 11pm within the same day. No OD interest charge.

Below from GenX FD thread, same as I reported last week UOB only offering 4.08%, then this week 8/1 onwards go back to 4.2%. But in Dec 2017 UOB did offer 4.2%. Note UOB also changed 7 mth FD promo to 6 mth one. 

Again AmBank no more 4.3% 12 mth FD. 

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Ya, yesterday I mentioned that AmBank told me min 50k 12 mth 4.2%. I still moved my FD to HL for 4.3% on Monday. Also claimed for 1 lost day interest. It was credited into my SA on the same day.

Yes, that member is me
I too had to argue with the Ambank teller & showed my whatsap message from my RM before she asked her manager to double confirm the 4.25%.

I also found out HL's 4.3% 12 months is still on but I was rushing for time, literally left my BC with the Ambank teller to process it for me & I even told her if really cannot get 4.25%, then i'll still take 4.2% as the manager was still checking at that time.

New customers only 
didnt see the promo online when i login just now.

Waiting for more eFD promo on HLB.
My previous promo just matured today

Shouldnt be an issue. You can withdraw it.
if you didnt withdraw, the renewal date will be updated tomorrow if not mistaken.
Mine mature today too under auto renewal. i have withdraw them

The first promo is for new customer (4.1-4.3%)

The one gsc posted he wrote there for fresh fund (4-4.2%)

Both also if not mistaken OTC.

HLB being so good lately.
Macam wan lock down our money je.

I think last year is because they want to maintain cash flow to debt ratio.

If not mistaken, BNM wants banks to have higher ratio (more cash) therefore the best way would be FD promo.

waiting to see HL got any better promos next mth

I did ask the branch, one of the officier said: Is fine, next day can withdraw.
There other officier said: You better read the terms and conditions, do not cheat.

I still worrying it. Like playing the system

Is money box deposit account considered casa? Cos i applied thru mach booth

i am wondering ... this FD investment/savings is 'practiced' by those employees in the O&G industries, where they earn big money, and their salary are being managed by the employers (paid into their next-of-kin's, in most cases, their spouses' account)

During their employment period, some manage to pay off for their cars and even houses. and after a decade or so, some would return home and retired. these guys, despite they had retired, they could still survive - pay their bills, send their kids to school, and some even manage to 'balik kampung' on every occasion. i think they are now 'enjoying' the handsome interest of the FD, could that be possible?

Assuming an employee that could earn around RM8k - 10k per month. Upon their retirement/retrenchment, at their young age (of, say, some still in their 40s), some of them manage to 'stay' as if they are still working.

Guys. Stand Chart price solution called me and offer me cash advance from my credit card at 3.88% per annum. If i take that cash and put in HLB FD 4.3%, does it mean I'll make a slight profit? Sorry I'm not a finance guy, I need those with financial knowledge to help me.

ambank 8 mth efd 4.03% min 10k
t&c https://www.ambank.com.my/ambank/SiteAssets...romotionTnC.pdf
wed https://www.ambank.com.my/eng/promotions-pa...ialeFDPromotion

I was thinking loan for 5 yrs for RM70k. One year interest rate 3.88%. 5 yrs interest rate would be RM70k x 3.88% x 5 yrs = RM13,580

So if i take that RM70k and put in FD, assuming every year I am able to renew at 4.3% pa, interest earned plus principle after 5 yrs would be RM86,401.16 (compounding interest) - RM70,000 loan = RM16401.16

So i still earn interest of RM16,401.16-RM13,580 = RM2,821.16 (over 5 yrs)     

Is my calculation correct?

Actually this is my plan to force myself to save as I need to pay back my 70k loan monthly. End of 5 yrs I would have saved 86k.

Sorry my bad, earlier example spread should be 1.70%.

Based on ur sample above, the monthly repayment shall be 70k X 3.88% X 5 Yrs / 60 Months = 1393 per month.

So assumed u can afford to save 1393 per month on monthly fd @ 3% p.a and compounded in 60 months, end of the day u shall have 90,278.00, which is more than 86,401.16 by nearly 4k.

Can anyone tell me what is the Citibank Foreign Currency FD Rates for USD, EUR & Aus Dollar.

I checked in bank site i didn't get any info on interest rates for foreign currency fd. Please help me

for all fd placement, it is a requirement to have CASA- this is BNM Ruling

Part of AML/CTF - being a total biatch with the counter / staff is not really doing any good.

also, dont think the staff themselves know about it- they are probably just taking instructions without knowing the reasoning behind it.

This also part of CRS- perhaps for personal knowledge, you may want to read it up.

pity those front line staff that got abused lol... and if you are not from local, they want a prove why you want to open the account at their jurisdiction- again, this is to AML requirement!

if you can move the funds like ghost, there is high possibility of siphoning and money disapearing.. only through CASA there is proper trail

Yes RM just told me about it today. Looks like yours if faster. 

12 Months FD - 4.38% (Fresh Funds Only)

9 Feb - 31 March 2018 OR upon achieving RM 2 Billions

Hi guys, i would like to ask is it possible i went into a bank as the staff what is the best promotion rates?

Because i seen some ppl share their fd rates offered by the bank that is not published in the websites.

     

Received hamper from Bank Muamalat for FD placed there. Personal delivery ! 

Happy CNY to ALL !     

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Nah, not a dumb question. There are many ways. Assuming you haven't opened a new account. Banker's Cheque or Cash would be the fastest. Cash would allow you to place your FD on that day.

If you just open a new account within a few days, then you could IBG or IBTF or RENTAS...

Each of these services/methods incurs service charges of course.
CASH would be FOC with the acknowledgement of higher risk to yourself.
Banker's Cheque 53 cents up to 5~6 ish..
IBG 11 cents
IBFT 53cents?
RENTAS too much... lol