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 Fixed Deposit Rates In Malaysia V. No.15, Strictly for FD Discussion Only

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mrhseinpingq
post Jan 9 2018, 02:04 AM

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We refer to your enquiry dated 8 January 2018 and would inform that your deposits in different PIDM member banks are protected separately. The RM250,000 deposit insurance limit is applicable per depositor per member bank.

Meanwhile, we would also inform that joint accounts enjoy separate deposit insurance protection up to RM250,000 limit on per account basis regardless on the number of parties in the joint account. An example of how separate deposit insurance protection is applied for a depositor holding several accounts in a member bank is as follows:
Depositor
Type of deposit
Amount (RM)
Protected by (PIDM)
Ali
Current
300,000
250,000
Ali and wife
Savings
500,000
250,000
Total Deposit
800,000
Total Deposit protected by PIDM
500,000

For more information on PIDM, kindly visit PIDM website via the following link http://www.pidm.gov.my/en/

Should you require further clarification or information, please call our free-phone at 1-800-22-9999 during normal working hours or approach to our nearest Public Bank branch. Our staff will be happy to be of service to you.

Thank you and regards.

Yip Lin Hoh (Ms)
Senior Manager
Product Development & Marketing
Product Development and CRM
Wealth Management & Transaction Banking
Public Bank Berhad
mrhseinpingq
post Jan 14 2018, 06:12 PM

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QUOTE(ikanbilis @ Jan 14 2018, 03:57 PM)
RM100k for privilege banking customers.  puke.gif

Alliance bank is forcing their privilege banking customers to move to other banks mad.gif
*
Yeah, funny.
Might as well move to RHB, 13 months, 4.25%
Hong Leong, 4.35%, 12 months
mrhseinpingq
post Jan 15 2018, 01:28 AM

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QUOTE(FunnyNinja @ Jan 14 2018, 07:21 PM)
Hong Leong 4.35%?
*
Sorry, typo mistake

Might as well move to RHB, 13 months, 4.25%
Hong Leong, 4.30%, 12 months
mrhseinpingq
post Jan 15 2018, 04:21 PM

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QUOTE(Deal Hunter @ Jan 15 2018, 12:06 PM)
Anybody have the correct information on the black and white website info from the links on the 1st page here, or from the website directly. I am confused and don't know what to make out of this for my updating of the current FD promos.

The following are the black and white in the OCBC website for what appears to be promos offering monthly payment of interest for 6 and 15 months tenors? confused.gif


Statement 1:

Must maintain balance throughout the tenure of the Fixed Deposit/-i.

confused.gif Am I missing a CASA requirement somewhere?  What does this mean? Why is this stated in the column?

Statement 2:

Promotion Period: 1 January to 17 February 2018
 
Statement 3:

1.2. The Promotion runs from 1 January – 31 March 2018, both dates inclusive (“Promotion Period”), and such other date(s) as may be determined at the sole and absolute discretion of OCBC Bank and OCBC Al-Amin for the relevant product(s) offered in this Promotion.

confused.gif Which promo  ending is correct - 17 Feb or 31 March 2018?


I wonder if OCBC has a mechanism/is able to edit or correct careless mistakes/confusion/typos in their web pages in their deluges of information after getting feedback? This is one bank that likes to do feedbacks, but let us see what they can really do or whether they ever monitor the public forums or news on them.

tongue.gif
*
OCBC bank HQ in Spore.
OSCB spore does not help up? look down at malaysia?
mrhseinpingq
post Jan 15 2018, 04:34 PM

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This is regarding “Get up to 4.25% p.a. on 13 months term deposit” Promotion Fixed Deposit RHB.

It said that *Only available for customer with CASA/-i balances RM20,000 and above.

If I had place my Promotion Fixed Deposit for 13 months today and my CASA have a balance of RM 20,000 above.
How long should I maintain this RM 20,000 in my CASA?

I worry after I withdraw CASA RM 20,000 (balance less than RM 20,000), they have chance to cancel my FD.

Terms and conditions did not say, but like playing the system....
mrhseinpingq
post Jan 15 2018, 04:56 PM

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QUOTE(cybpsych @ Jan 15 2018, 04:53 PM)
didnt you already asked this and gotten answers?

how many thousands of questions are there for RHB? hmm.gif
*
I did ask the branch, one of the officier said: Is fine, next day can withdraw.
There other officier said: You better read the terms and conditions, do not cheat.

I still worrying it. Like playing the system
mrhseinpingq
post Jan 17 2018, 05:57 PM

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QUOTE(Cookie101 @ Jan 17 2018, 04:04 PM)
HLB 4.3 12m
MBB 4.3 15m
AmB 4.25 12m
*
HLB 4.3 12m
MBB 4.3 15m OTC
AmB 4.25 12m
RHB 4.25% 13 months OTC
mrhseinpingq
post Jan 17 2018, 06:26 PM

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where find AmB 4.25 12m ?
mrhseinpingq
post Jan 20 2018, 12:02 AM

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Those Promotion FD offer by bank, need to be in OTC (over the counter) to make placement.

But it later shown in Internet banking like e-FD.

So can withdraw later when maturity
mrhseinpingq
post Jan 20 2018, 12:14 AM

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QUOTE(??!! @ Jan 20 2018, 12:07 AM)
Is this a question or a statement ?

If it is a statement, my experience tells me that it does not apply for some banks.
*
It is a statement, sorry. For RHB is there
mrhseinpingq
post Jan 20 2018, 12:36 AM

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[quote=??!!,Jan 20 2018, 12:29 AM]
[quote=mrhseinpingq,Jan 20 2018, 12:14 AM]
It is a statement, sorry. For RHB is there
*


For some banks, FDs placed OTC, can view online, but cannot withdraw. Need to do it OTC .
FDs online placement, withdraw online only, no OTC withdrawal.
*

[/quote]

Any idea RHB is promotion FD placement OTC, withdraw can be online?
mrhseinpingq
post Jan 20 2018, 12:40 AM

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QUOTE(??!! @ Jan 20 2018, 12:39 AM)
Sorry. Not sure.
Call the bank to check ?
*
the problem is officier A said yes, offcieir B say no
no black and white
mrhseinpingq
post Jan 22 2018, 09:48 PM

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QUOTE(poor man @ Jan 22 2018, 07:40 AM)
hl bank offer fd only on 1-Day Open House between 27 January 2018 and 24 February 2018 (“Open House Date”)
4.15% 6 mth min 100k
4.35% 12mth min 100k
t&c https://www.hlb.com.my/content/dam/hlb/my/i...n-house-tnc.pdf
List of Chinese News Year Branch Open House:
https://www.hlb.com.my/content/dam/hlb/my/i...-house-list.pdf
*
It seemed like only 1 day on certain branch and from 10am to 3pm...
must be a long line....
mrhseinpingq
post Jan 23 2018, 10:37 PM

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QUOTE(cybpsych @ Jan 23 2018, 09:41 AM)
adoi, post all info la

Alliance Fixed Deposit Promotion
Campaign period: 18 December 2017 – 31 January 2018

https://www.alliancebank.com.my/promotions/...d-campaign.aspx

Full T&C: https://www.alliancebank.com.my/Alliance/me...ampaign-TnC.pdf
user posted image
*
Need maintain CASA money
RHB do not need, hope others bank do not follow
mrhseinpingq
post Jan 24 2018, 04:56 PM

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QUOTE(savvyaunty @ Jan 24 2018, 12:08 PM)
saw on their website that they have CNY open house. got spin and win if deposit money with them

https://www.hlb.com.my/content/dam/hlb/my/i...-house-list.pdf
*
But only 1 day and from 10am to 3pm only, must be alot of people
mrhseinpingq
post Jan 26 2018, 06:09 PM

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QUOTE(bbgoat @ Jan 26 2018, 05:00 PM)
Bro, got to wait lah, patiently ................. devil.gif
That will be a dream comes true ! brows.gif
Yes, OTC, go to HL branch.  biggrin.gif
*
Any idea when Bank increase their FD rate usually?
mrhseinpingq
post Jan 26 2018, 07:37 PM

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QUOTE(bbgoat @ Jan 26 2018, 06:30 PM)
Bro, it has been repeatedly said before. 7 days or more. But hard to say. Bank will raise their borrow/loan rate almost immediate but FD, wait first !

So guessing game ............................. devil.gif
*
Thank you very much.
Where to know RHB house loan interest rate now?
mrhseinpingq
post Jan 26 2018, 07:52 PM

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The due date banks have to meet LDR /Basel III is looming near. So those banks really have to work it out before June which is the most crucial one before they have to start rejecting loans. Then they will be losing their most profitable business..
So far haven’t heard anybody’s car loan affected by rate hike... it’s fixed - for new car la. Not sure if used car differs...
Def pay down loan better... long term effect saves more
My 2 cents.


Yes, have FD and semi-flexi house loan. Duno what to choose?
mrhseinpingq
post Jan 27 2018, 12:28 AM

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QUOTE(cclim2011 @ Jan 26 2018, 09:33 PM)
Loan 4.15 now fd 4.3...
*
can i know how to know loan now is 4.15%?
mrhseinpingq
post Jan 31 2018, 04:36 PM

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RHB and PB no update on FD promotion so far...so slow
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