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 Fixed Deposit Rates In Malaysia V. No.15, Strictly for FD Discussion Only

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ahpaul82
post Feb 6 2018, 09:35 PM

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QUOTE(adele123 @ Feb 6 2018, 09:05 AM)
debit card is not a pre-requisite to internet banking but i believe there is more hassle in getting the internet banking.

or, even if you have the debit card, you can choose to cancel the debit card but maintain the CASA and the internet banking. that's what i did when my previous employer used HLB as banking in salary.

banks like cimb very stupid. I had CASA and credit card. when i closed the CASA, the internet banking account gone, need to create again so that i can check my cc details. now that my cc has been cancelled, the internet banking is still there.

sorry for off topic.
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QUOTE(nitehawk @ Feb 6 2018, 01:31 PM)
Some banks will issued virtual ATM so that you can create use it to create Internet banking. One such bank is AFFIN Bank.
You will need the card if you need to reset password or have login credential issues.
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QUOTE(acougan @ Feb 6 2018, 09:38 AM)
so a good idea will be to open a savings account, pay the Rm8.48, before next year renewal arrives, cancel the card and keep the internet access.
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QUOTE(cybpsych @ Feb 6 2018, 09:42 AM)
for PBB, you can choose BSA without ATM/DC. however, they still issue you the booklet instead. no issue with Internet Banking.

for HLB, you can choose BSA. staffs tried hard NOT to give me BSA, but after much insistence and threats to them, they finally "figured" it out BSA is "available" in their system. no issue with Internet Banking either. they will issue a DC but without any fees attached.

most, if not all, banks claims you need ATM/DC for Internet Banking, with the reasons of creating temp PIN at ATM machine.

however, in both banks above, I created the Internet Banking account/profile at the branch after opening BSA.
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QUOTE(drbone @ Feb 6 2018, 07:46 PM)
When I opened my CIMB account years ago, I was told that in order to use cimbclicks and make transactions, I will need to get a debit card. Any idea about this information?
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Attached Image Attached Image

I had try both banks online registration,
both also require ATM/CC number to proceed further..

*Sorry Mod, I know it's off topic, will focus back on FD instead
ahpaul82
post Feb 6 2018, 09:37 PM

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QUOTE(Calvin J @ Feb 6 2018, 01:47 PM)
Just went to HLB Mid Valley branch to try to open the BSA. Teller kept insisting that I had to either produce a company offer letter & had to get approval etc. Finally said that manager is on leave & would come back to me tomorrow.

Let's see how it goes. Anybody else encountered similar difficulty?
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QUOTE(happying @ Feb 6 2018, 03:42 PM)
They need approval to open BSA account but nonid company letter... I opened mine at Sri Petaling..no problem but the customer service sucks..kept chatting with others while opening my account.. and then asked me to deposit RM200 to the BSA ac..BSA minimum is RM20..she asked me to deposit RM200...wtf..
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You are lucky to get the BSA account .. bangwall.gif

QUOTE(verbatin @ Feb 6 2018, 09:03 PM)
i went to the branch just beside city square at Johor Bahru
i am not sure (didnt ask) if i pay for the debit card. the officer just told me need to put min 250 in this account
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try request to open BSA instead.


QUOTE(#Victor @ Feb 6 2018, 05:11 PM)
I have experience all these b/s from bank teller or manager, previously I was on normal SA with annual fees, then changed to BSA without annual fees without open new BSA account using existing account. Guess I'm lucky? hmm.gif Below is my long story.

» Click to show Spoiler - click again to hide... «

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You are lucky, I wish I can convert the SA to BSA next year.. rclxs0.gif

*Sorry Mod, I know it's off topic, will focus back on FD instead
ahpaul82
post Feb 20 2018, 11:25 PM

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QUOTE(StarPrimo @ Feb 20 2018, 09:40 PM)
But not all HLB branch will offer it.
Some branch will outright say no Basic Savings Account available.
You need to search for the branch that willing to open the account for you.
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Exactly,

i'm one of the victim.

and surprisingly my previous reply here kena reported by someone.. mega_shok.gif

This post has been edited by ahpaul82: Feb 20 2018, 11:25 PM
ahpaul82
post Feb 22 2018, 12:53 AM

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QUOTE(#Victor @ Feb 21 2018, 10:25 AM)
Same here, someone reported my previous post shocking.gif
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Guess that we are discussing something not relevant to FD kot.. mega_shok.gif

But I do appreciated everyone who share your valuable info here.

this is open forum.

ahpaul82
post May 15 2018, 03:12 PM

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QUOTE(ketnave @ May 15 2018, 12:08 PM)
Maybank FD
Promo 3 months @ 3.90% and 6 months @ 4.10%
Min 10k
Place via M2U

Confirm with your RM
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RM5k minimum..

Attached Image
ahpaul82
post Jul 5 2018, 09:58 PM

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I'm noob on FPX,

how do i ensure my funds transfer transaction is using FPX method?

from MBB to HLB.

I only saw these two options :
Attached Image

enlighten needed.

This post has been edited by ahpaul82: Jul 5 2018, 09:59 PM
ahpaul82
post Jul 5 2018, 10:47 PM

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QUOTE(ProxMatoR @ Jul 5 2018, 10:20 PM)
if you are to place eFD, you just need to login HLB and go to APPLY > place new fixed deposit > choose MBB

basically it will guide you through and will need you to login to MB2U to perform FPX transfer of the stated amount you entered.

enjoy thumbup.gif
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Bro,

appreciated your reply !

done .

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ahpaul82
post Jul 12 2018, 07:50 PM

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May not be the best rate,

but better than none and lazy move funds here and there..

CIMB, 4.3% @ 12 Months.

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ahpaul82
post Jul 14 2018, 12:01 PM

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QUOTE(Micky78 @ Jul 13 2018, 03:10 PM)
r u premier customer?
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4.3% @ 12 months available for everyone leh..
ahpaul82
post Oct 2 2018, 01:23 AM

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QUOTE(roarus @ Oct 1 2018, 09:32 PM)
Updated today: 4.4% 1 Oct - 31 Dec 2018

CIMB Unfixed Deposit

Note: The webpage is wrong, showing 1 Oct - 31 Sep, but the T&C states 31 Dec and should be correct
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Thanks for sharing,

Can switch my HLB eFD back to here ... rclxms.gif
ahpaul82
post Oct 9 2018, 05:46 PM

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QUOTE(ahpaul82 @ Oct 2 2018, 01:23 AM)
Thanks for sharing,

Can switch my HLB eFD back to here ...  rclxms.gif
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I wonder can I transfer my maturity funds from HLB to CIMB Saving Account as "fresh fund"?
Coz banker cheque require RM5++ tongue.gif
ahpaul82
post Oct 9 2018, 07:19 PM

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QUOTE(cybpsych @ Oct 9 2018, 05:53 PM)
you should read the t&c. answer is in there.
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QUOTE(David_Yang @ Oct 9 2018, 05:59 PM)
Ever heard of "Cash is king"? Still valid  cool2.gif
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Oh Yea,

Got the answer liao :
Attached Image

Thanks both.

This post has been edited by ahpaul82: Oct 9 2018, 07:20 PM
ahpaul82
post Oct 15 2018, 11:59 AM

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Done within 10mins..

Attached Image
ahpaul82
post Oct 15 2018, 12:04 PM

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QUOTE(WinterDays @ Oct 15 2018, 12:02 PM)
so fast, i still waiting

1st time fd with the bank take longer time i think, bcoz no record
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Yours big amount is it? tongue.gif

Surprisingly this branch no people when I arrived.. Haha.
ahpaul82
post Oct 24 2018, 12:11 AM

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QUOTE(TOMEI-R @ Oct 23 2018, 06:20 PM)
Rm50k need to be placed into CASA account. Rm200k can get 4.5% for 12 months.
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Guess that you all is talk about this..

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ahpaul82
post Oct 30 2018, 10:09 AM

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QUOTE(lowya @ Oct 26 2018, 08:44 PM)
KNS,
I walk-in OCT 2 weeks ago and only get 4.4% vmad.gif cry.gif
now it show me this when I click the link after login :

Attached Image

This post has been edited by ahpaul82: Oct 30 2018, 10:10 AM
ahpaul82
post Oct 30 2018, 02:08 PM

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QUOTE(CharmaineLee80 @ Oct 30 2018, 01:41 PM)
cimb preferred customer only?  I tried my cimb clicks.. cant see 4.4% interest rate for FD.
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I wish I'm a Preferred customer. tongue.gif

The 4.4% @ 6months require you do it OTC.
ahpaul82
post Oct 30 2018, 02:14 PM

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QUOTE(cybpsych @ Oct 30 2018, 02:10 PM)
u dont need to be preferred customer.

open the link and login to your cimb clicks.
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I tried when lowya shared the links few days ago, cannot,

this morning try, can woh.. sweat.gif

So other should give it a try again.. rclxms.gif

This post has been edited by ahpaul82: Oct 30 2018, 02:15 PM
ahpaul82
post Oct 30 2018, 06:13 PM

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QUOTE(prophetjul @ Oct 30 2018, 02:16 PM)
Easy peasy.

I went into branch and became one on the spot!  biggrin.gif
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CIMB Preferred customer got minimum criteria to meet kan.. ? blush.gif
ahpaul82
post Aug 14 2019, 09:57 AM

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Question,

If I transfer my funds from HLB to CIMB account,
Would it still consider valid as OTC when I enquiry the rate?
(CIMB FD rate now is 3.9% @ 6months)

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