[quote=TSOM,Jan 26 2017, 08:30 PM]
Few promos now.

CIMB all with 10k minimum
1 mth 3.2%
3 mth 3.8%
6 mth 3.45%
12 mth 3.4%

HongLeong all with 10k minimum
6 mth 3.8%
12 mth 3.8%

8 mth 4% maybe 4.18% if target reached etc by FPX only, with mthly interest

Public Bank all with 10k minimum TD-i
6mth step-up from 3.38% to 4.68% effective 3.88%
12 mth step-up from 3.8% for 6 mth and 4.1% last 6 mth effective 3.95%

Alliance with minimum 50k FDGold promo for 40 years plus depositor.
12 mth 4.05% with mthly interest.

Bank Rakyat with 10k minimum TD-i
12 mth 4.08% with mthly interest and lucky draw per 10k, end 23 Feb 2017

MBSB with minimum 100k
12 mth 4.10% (Feb-Apr 2017)

[/quote]
thanks!!

[/quote]

I did not get the option of monthly interest credit when I signed up for the HLB e-FD promotion ( the one with 4% which might give 4.18%)

try your luck, they like you they give.

What a shocker.

Anyone else went for BSN 4.5%12Mths offer about a year ago? I did and matured today. That's what it says on the cert. Tarikh matang 27jan 2017.

But they told me cannot take out till 24 hrs after Tarikh matang ie tomorrow or practically next Tuesday. They said this is Islamic fd rule.

I said wtf. I did islamic fd with other banks including BR and never encounter such thing.

Naturally I tiau the idiots and ask for bnm Complaint form. Also got evidence of what they told me.

Got such thing? Tarikh matang cannot take out money unless penalty? Wtf!!!

replying to myself

thanks to some feedback i got, jelutong branch has ample parking compared to magazine rd branch since it's a bit out of town area and can be considered residential area. service wise was said to be similar, depending on which staff u get la. and jelutong branch less crowded overall. hope it helps someone.

[quote=Deal Hunter,Jan 26 2017, 04:34 PM]
[quote=TSOM,Jan 26 2017, 01:57 PM]
I see that mostly are 12 months for 4% promotion, any short term FD promotion like 1 to 6 months??

[/quote
Few promos now.

CIMB all with 10k minimum
1 mth 3.2%
3 mth 3.8%
6 mth 3.45%
12 mth 3.4%

HongLeong all with 10k minimum
6 mth 3.8%
12 mth 3.8%

8 mth 4% maybe 4.18% if target reached etc by FPX only, with mthly interest

Public Bank all with 10k minimum TD-i
6mth step-up from 3.38% to 4.68% effective 3.88%
12 mth step-up from 3.8% for 6 mth and 4.1% last 6 mth effective 3.95%

Alliance with minimum 50k FDGold promo for 40 years plus depositor.
12 mth 4.05% with mthly interest.

Bank Rakyat with 10k minimum TD-i
12 mth 4.08% with mthly interest and lucky draw per 10k, end 23 Feb 2017

MBSB with minimum 100k
12 mth 4.10% (Feb-Apr 2017)

[/quote]

thanks for the compilation...quite slim pickings haha.

i guess best strategy for me is to dump more into epf via higher voluntary contributions!

are they going to pay you interest till Tuesday then?

I can't do anything now. I'll go back on Tuesday n fuck them left n right n raise hell. What do you think I should do?

haven't come across this practice. but you should go ahead and demand for the interest on the additional days, and if they refuse, file an official complain to bnm. they do take complaints against banks seriously.

Never encounter Islamic FD issue with other banks. Always can get uplift on the maturity date. Even can get interest from BR as they swift it to working day and gave u the promo FD rate, instead of board rate when we claim from other banks.

Hahaha actually BR memang ikut Islamic principles. Adil!!! Spoil my cny eve only. So looking forward to transferring to BR 4.08%promo today. Blardy stupid BSN

This post has been edited by okuribito: Jan 27 2017, 10:15 AM

Haha went to another branch try luck. The supervisor there called HQ n they say should be no issue about 24hrs bla bla

Waiting for cheque now

One branch will sure kena tiau by HQ soon. Die u bastards lol

One thing I discovered about bsn is u can go any branch to redeem. I think pbb also cannot


This post has been edited by okuribito: Jan 27 2017, 12:27 PM

Dude, don't let these trivial stuffs ruin the harmony.
Keep calm and gong xi fa cai

PB FD promo how come i only see 6 months option only?
do i need to go to bank personally or can get it done online?

DO IT! Tell them you wanna see fireworks also LOL. Your reason in your defense, your money is sitting there stagnant, hence you should be compensated with the interest of your FD for the loss of potential gains as of 27th till Tuesday. IN the meantime, fill up the complaint form for just heck of fun too . This should compensate for your potential loss of CNY mood hahaha.

Happy Chinese New Year!

There are pros and cons in various banks, and some banks do practice unusual practices like this way of treating maturity date. This had been questioned before. Keep cool, there are other operational stories about interest amount paid, when interest becomes paid, limits to how much cash can take out, how much can transfer, need to go to HQ, no cheque, home branch, other branch, different types of branch having different available services, etc. If you do enough FDs of various sizes at all places, you will surely not only - Eaten more salt than other people eat rice, but also plenty of Salt to rub on your wounds - kind of experiences.

Each bank has its own special peculiarities and way of doing things - it is only a question whether you fall into the situations where you will experience them or not. Ignorance and assumption of standard or best behaviour is not bliss.

Read the small print, ask and reconfirm questions with the understanding that if you need to question on something not so clear, different bank staff and management can also interprete differently from place to place and over time and in reaction to events. Some times if ask too much at various levels and places, the bank will actually clarify and change their subsequent terms and conditions or their promo flyer - sometime better or worse for the depositor!!

Always check your calendar as to what may happen when you place and when the FD mature to either take advantage or to avoid problems depending on your knowledge of how the bank operate. You can use the internet to search/check on holidays like Chinese New Year and other holidays with variable dates in years in the future.

The most valuable info in a forum are the complaints and an understanding of how negative and positive situations can arise. I don't need to hear the good news only, the bad news means much more to me. So thank you for sharing your experience at BSN.

Maybank offers 4.5% min 5% max for 3 years. Interest is paid out yearly. 10k min :-)

Where did you get this info?

Maybank Cyberjaya :-)

What did u mean by '4.5% min 5% max'? Is it depends on the amount of money that we deposited? The more amount of money, the higher rate we can get for 3 years? Any quota limit for this promo?

I haven't asked further, but I would assume that the bigger the amount, the higher the interest rate. Will check and let you guys know.