QUOTE(joeblow @ Mar 25 2021, 01:50 PM)
Just checked. I have two accounts (both joint) saying Statement Savings instead of BSA. One conventional one Islamic. No issues with seeing everything including Invicta which is individual. Every time I open an account, I tell the counter I must be able to see it. So maybe they did a linkup then.
For Joint RM10 is applicable, despite me trying to waive it but no go. They say compulsory and so far only Affin that I encounter has this rule. I also don't know why they charge that. If you can waive it please let me know. I go kick some ass... haha.
On Invikta, please refer to my earlier post on it. If your amount is not huge, don't bother. Because you will be charged a fixed amount of admin fee which I can't recall for every 6 months. Can't waive it. So I only have invikta because my FD amount is quite big and the difference in interest rate covers the admin expenses. I opened Invikta without atm card, cheque book and credit card. Will close it once the FD is up, now can't close because interest rate goes there.
Oh if you still decide to go ahead to open, bear in mind you only need to store 100 to 120 (to minus admin fee) instead of the initial 1k or 2k. Can't remember. Please check my earlier post on Invikta. If you manage to get waiver please PM me so that I can go kick ass... haha.
Obtained info on the RM10 fee. It is for joint account mandate and Affin requires it to be stamped. So that's their tariff. One time payment.
https://www.affinonline.com/tariffInvikta account becomes attractive if there is an additional FD rate, but from my experience yesterday, the branch is non-committal while the current promo requires one to have 50k in the invikta account to enjoy the extra rate. Not worth it.
I made an inquiry on the BSA1 too. It is Affin's bank internal policy to only allow one BSA1 per name.
I miss the time when placing FD/Joint FD is straight forward - no need to open CASA, I am okay to just let it be credited at the end of tenure. CASA is one of the practice used by the bank to charge fee.