Can I check if this RM10k needs to be earmarked? Previously RM10k need to put in, but can withdraw the next day. System earmarked?

For today's case, it is eFD matured. So everything done online. Xfer out the fund, then FPX for online placement.
Interesting, Citibank has announced out of retail market in the future. But when and how it will affect FD, UT, etc etc.

The 10k is not already inside CASA? Else you can withdraw on the same day.

To keep her happy, i have done rm100k (8 month 2.33) OTC last week.

I told her we will do more OTC when the Covid situation is better. At the moment i have all my efd with Public Bank with terms 1,2 and 3 months (rate is 2.0 for 1 month, 2.1 for 2 months and 2.2 for 3 months).

I have given my wife all my username and passwords with all my banks here and in Australia so she should be able to withdraw them (we have a joint account linked in to my efd) if anything happens to me. Also, my wills are all up to date (i have one will for all my Msian assets and also another will in Sydney for all my Australian assets  )

Sometimes i find it very hard to understand women  . Give me so much headache

Latest rate from Affin effective today.

No need Fresh Fund. Invikta 2.45% 12 months or above, normal 2.40%

Seems like rather low.

CIMB FD is lower, but their TIA is 2.55%. Citibank still 2.5%.

wow 0.5% higher. must be a lot of money.

CB wise, they seldom has high FD promo, I have an acct there. Occasionally for pure FD, they may offer high FD for high amts like 500k, but will be like compatible to highest FD offer at that period of time.

Did u mean u got from 2.5% to 3.0% from CB for pure FD ? Or it is from 2.0% to 2.5% ? Not bundled with UT ? Also for 1 year or more FD ?

I think you mean 0.05% higher?

OPR is maintained but Affin reduces its rate from 2.50% to 2.40% 

Haha you see so many eagles already about to move their fund to CIMB if 0.5% higher

May I know how do I get the information about TIA 2.55% at CIMB, I called up branch in Penang as well as customer services at HQ, no one knows about this promotion.
Can place  it with Cimb clicks ?

Only for OTC? Not available at eFD placement page yet

My branch also called to say it's Invikta rate.
Offered to renew my OTC placements without me going to branch.
Affin is usually not fussy about funds being "fresh" for their promo
As of last month, they still insist I need to go branch to renew matured OTC placement.

better ask your nearest hlb branch on Monday

maybe they open it for OTC but upon request/specfic placement amout  :thumbsup:

do banks still offer periodical interest crediting for FD above 12 months ? Checked with a couple, apparently, banks do not offer them anymore.

Kindly correct me if I am wrong.

With regard to problem at CIMB, anybody here noticed have problems with FD withdrawals, interests amount and number of creditting, and deductions from past including negative balances at CIMB as well as other banks? I do not have an account with  or any unfixed FD or TIA with CIMB from a number of years ago. Please reply.

OK most likely I will go check out Tuesday then report back. Still thinking go for 12 months 2.7% or 24 months 2.8%, if available.