Just in case if you are not aware, the 10k in CASA is not earmarked. You can withdraw it if you want.

Also, you could open a BSA with no fee if you don't want a debit card or do online banking.

why not park at SSPN?

Affin eFD

Maklum. Thank you 

Today Am Bank & CIMB in Sri Petaling have closed until further notice due the COVID-19.

30% (locked in saving) of my fund that bundled with AM Bank FD promo at 3.25% cannot be withdrew because
of the temporary closed shop of Am Bank in Sri Petaling.

I just manged to withdrawl 70% of fund in FD from another Am Bank branch. 30% of fund is still stucked in AM Bank.. 

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

Normally, such fixed deposit is performed with "Either One to Sign" instruction. In an unfortunate situation of a demise of one joint fixed deposit account owner, the other joint fixed deposit account owner is still able to uplift the joint fixed deposit account, right?

Let's not get carried away and go out of topic here

i do up a online #spreadsheet where everyone can input or edit without login, in future just search #spreadsheet to get the link below. 

feel free to backup/share/edit/collaborate HERE

is 2.5% 12m highest currently?

9-month FD/TD-i & CASA/-i Combined Campaign [ Ambank | T&Cs ]
Campaign Period : 1 August 2021 - 31 October 2021

Times are uncertain but our returns are rock solid.

Make a fresh funds placement in Fixed Deposit/Term Deposit-i (FD/TD-i) and Current or Savings Account/Current or Savings Account-i (CASA/CASA-i) for 9 months and enjoy returns of up to 2.88% p.a.



Terms and conditions:
Minimum Combined amount of RM10,000 and up to maximum of RM2,000,000 (No capping for AmWafeeq Savings Accountholders).
Placement ratio: 80% in FD/TD-i and 20% in CASA/CASA-i.
Both FD/TD-i and CASA/CASA-i accounts must be earmarked for nine (9) months.
Subject to immediate revision should there be any change to the Overnight Policy Rate (OPR).
Upon maturity, FD/TD-i will be renewed at the prevailing board rate for the same tenure.
Partial withdrawal of the FD/TD-i or CASA/CASA-i before the completion of Tenure is not allowed and the Eligible Customer(s) shall not be allowed to enjoy any interest/profit rate* whatsoever.
Applicable for placements made over the counter only at any AmBank/AmBank Islamic branch.

*Conventional terminologies are applicable to AmBank products, while Islamic terminologies are applicable to AmBank Islamic products.

update on my case, the shortfall interest credited today with description as below:
Cash Back Crediting - CA                TIAi Profit

My case is with HLB

As I had a previous account, now I'm having issues accessing my savings account via online & have to go back to the branch again.
With the pandemic, seems like is a pain to open a bank account at most places...
I already have an affin savings account but to qualify for Invikta promo rates, I need to open an Invikta account which is as slow as opening new to bank account.

Affin Bank
Conventional and Islamic

1 month - 2.10% pa
3 months - 2.40% pa
6 months - 2.45% pa
9 months - 2.50% pa
12 months - 2.55% pa
18 months - 2.60% pa
24 months - 2.60% pa

Affin e-FD cannot be withdrawn on the same date as placement.

Via fpx?

dafakk so much discussion on 2%+++ return ?

   

Few mil in FD. What do you think

Cimb TIA (not FD) 2.55% 12 months is at  fixed rate oromo for Preferred customers.  However,  there's no documentation to state that it's at fixed rate, only "assurance " from RM that teller will enter some promo code in their system during the placement

Is there anything better than this extract from bank digest report on promos from a few days ago?
Mth       Rate      Banks
1          2.05       Affin
3          2.35       Affin, HL TIA
6          2.40       Affin, HL TIA
6          2.48       HL
9          2.45       Affin
12        2.50       Affin, HL TIA
18        2.55       Affin
24        2.58       Affin

There is a mention of CIMB TIA 12mths at 2.58 for Preffered customer but w/o any guarantee that rate will not change.

Please check whether any rates still on with the banks.

HL CNY promo from 1 Feb to 28 Feb 2022.
2.48 % 6 mths FPX.
page 1030, post 20598 by kinwawa.