1st time created the efd account?

the one thing i know is different type of efd (conventional vs islamic vs GIA) will need to create account (once). subsequent placement would be immediate.

Save with eFixed Deposit/-i [ HLB | T&Cs ]
01 JANUARY 2019-07 JANUARY 2019

Save and grow your money with convenient eFixed Deposit/-i placements online.

bank calculate it by midnight (end of day), it doesnt count in 24h cycle.

if you withdraw 31/12 6am, you dont earn interest/profit for 31/12, but only up until 30/12.

same as placement. if you put 1/12 10pm (example for eFD), once crosses 2/12 12am, you earned 1 day of profit/interest.


when bank promote the tenure as "month", it's literally by monthly cycle (not the way we perceive as calendar month)

e.g. 1 month tenure .....

placement 1 Dec 2018, maturity 1 Jan 2019
placement 1 Apr 2019, maturity 1 May 2019
placement 15 Apr 2019, maturity 15 May 2019

however, interest/profit will varies because it calculate by completed days.

placement 1 Dec 2018, maturity 1 Jan 2019 --- 31 days (excluding 1 Jan)
placement 1 Apr 2019, maturity 1 May 2019 --- 30 days (excluding 1 May)
placement 15 Apr 2019, maturity 15 May 2019 --- 30 days (excluding 15 May)


in your example above, if you placed 1/12 6am for 1 month tenure, bank determined maturity date as 1/1 (not 31/12)

placement 1 Dec 2018, maturity 1 Jan 2019 --- 31 days (excluding 1 Jan) of interest/profit is calculated.

PB eFD Campaign
- 28 December 2018

Please be informed that the Campaign Period of “PB eFixed Deposit (PB eFD)” has been extended to 31 March 2019.

Click here for the revised Terms and Conditions.

PB Special2 FD / TD-i Campaign
- 28 December 2018

Please be informed that the Campaign Period of “PB Special2 Fixed Deposit / Term Deposit-i” has been extended to 31 January 2019.

Click herefor the revised Terms and Conditions.

it will show 4.5% 6mth.

click the link above, it will load the cimbclicks login form.

login clicks, then u get the placement page immediately with the promo rate.

AFFIN BANK: Chinese New Year (CNY) Triple Prosperity Campaign 2019
Campaign Period : 1 January – 31 May 2019

May the new spring brings you Triple Prosperity of up to 4.55% p.a. with “Prosperous Angpow Packet” Giveaways and “Prosperous Umbrella” gift.

http://www.affinonline.com/AFFINONLINE/med...019_TnC_ENG.pdf




read the t&c thoroughly...

This post has been edited by cybpsych: Jan 1 2019, 11:29 AM

monthly interest (auto)crediting back to you.

check with the bank whether's it's applicable to you.

usually this feature offered to senior citizen above certain age.

still ongoing

Chinese New Year Campaign "Double Happiness" [ Maybank ]
Campaign Period: 2 January – 28 February 2019

Movement and form come together, turning inspiration to reality on the canvas of life. With Maybank at your side, enjoy harmonious pairings that usher in good fortune.

Customer Eligibility Criteria
This Campaign is open to all new and existing Maybank Privilege, Maybank Premier and Maybank Private customers.

Deposit Participating Products
Conventional Fixed Deposit
General Investment Account-i


Note: Should there be an Overnight Policy Rate (OPR) change, the offer rates may be revised.

The campaign rates are valid from 2 January until 28 February 2019 or upon reaching the campaign limit, whichever is earlier.

Click here for Conventional Fixed Deposit CNY Campaign Terms and Conditions
Click here for General Investment Account-i CNY Campaign Terms and Conditions
Click here for Investment CNY Campaign Terms and Conditions

This post has been edited by cybpsych: Jan 8 2019, 07:44 AM

of course you can.

if u rea the T&C, obviously not.

have u tried?

if u try, you'll get the answer.

posted yesterday.

placed a few placements from recently-matured 13mth HLB eFD @ 4.20% Dec 2017

This post has been edited by cybpsych: Jan 9 2019, 05:32 PM

https://www.rhbgroup.com/425/index.html



This post has been edited by cybpsych: Jan 9 2019, 08:54 PM

same as above

same preference. easier to maintain. my amt not super huge, not much difference going with slightly higher OTC rate.