i guess even if paid half yearly or so and if u eithdraw premature, the paid interest will still be deducted from ur principal at the end?

i think hlb dont need app for 50k

just completed my last piece ambank 5 years 4.35 😂
if now ambank give me 3.5 for 5 years, or even 3.3 i will take. 🤣

This post has been edited by cclim2011: Mar 11 2022, 04:17 PM

ya of course but cycles are irregular. peaks and lows are uncertain. so i guess best to grab if there are obvious better promotions for any terms.

shld be. with mum's so some senior acct. monthly or quarterly porbably.

i think so except for the last month. this piece is 50k, were getting about ~184 per long month.
the final interest is like 165 dont know why may be february just too short 😂

This post has been edited by cclim2011: Mar 15 2022, 10:57 PM

i guess 0.1 😂

i cannot remember fully but i think ambank will reject (ie got name check)
i think i have also tried hlb but it seems fine (not 100% remmeeber)

maybank does have good promo occasionally. dont think it is that rare.

if efd and e-transfer, take daily transfer limit into account ya.

hong leong is pretty internet savvy
fd promo on and off. considered 2nd most regular after affin

This post has been edited by cclim2011: Aug 6 2022, 12:43 AM

Bank Rakyat dont have BSA with atm card? all my bsa with other banks have atm card. cimb, hlb, bi, pb, affin

i see. okok. it is different from all other banks then (afaik). my bsa with atm card also no fee, but limited withdrawal per month.

This post has been edited by cclim2011: Aug 7 2022, 09:08 AM

all with atm but foc annual fee. public is the latest i got recently so cannot confirm if no fee, but i specifically asked bsa with atm card without annual fee. officer said yes.

i think every bank also got two types. need to ask specifically with atm card but no annual fee

all banks WILL offer bsa without annual fee
https://www.bnm.gov.my/-/banking-institutio...current-account

3 years ago a friend of mine (fresh grad) went to public bank and i asked him to. insist on bsa without annual fee. but the banker psycho him saying haiya, just rm8 cannot pay meh. (pb)

few weeks ago i went to pb (another branch). my stern face yet amiable approach leave no room for that. 😁

anyway oot. haha. i think we shld stop here.

bank shares are near all time high. still quite down? 🤨

rhb smart 2.85, hlb pay and save 2.65
but i dont wait liao lo. mostly put ambank 3.2 a year, with some in pbb 3.3 1.5y (got interest every 6 month ok also la = ~3.35 already)

This post has been edited by cclim2011: Aug 12 2022, 03:02 PM

i think good to forgo the interest and withdraw, put yearly now. my personal opinion.

just now go Ambank branch ask about basic saving acct. got NonFee basic saving acct, but got yearly charge for ATM card which is rm10. I think so far only ambank charging even if it is nonfee basic saving acct.

i didnt open the acct though. waiting for affin, public, BI, cimb, hlb which i have the genuine basic saving acct without annual charge. public tba, just open months ago so not validated. 😁

This post has been edited by cclim2011: Sep 22 2022, 02:10 PM