BoC opening hours 9:30am-4pm Mon-Fri only    Not convenient for me to go during working hours / lunch.

Nearby I got RHB bank only, which I open & close last 1-2 years for the FD.

What is the rate?

I just walk down to open an account first. They verbally answer FD OTC promo supposedly end 30 June, now extended to end Sep.
15 months 4.38% minimum 10k?

Plan to park half here and half wait for HLB.


Edit: RHB Bank

RHB is any branch? I dont think HongLeong will be any better

Alliance Bank Saveplus account.
Promo period:- 1st Jul to 30th Sept 2018
T&C:- Maintain incremental daily average balance of RM60K in July, August and Sept.
Reward:- RM320 petrol card
Approx effective yield:-  3.5% + RM320 = 4.78%

RHB should be any branch, I guess. They still giving the photocopy A4 flyers for the FD promo.


HLB 7-7 digital eFD I'm shooting in the sky, maybe 4.27, 4.37, 4.47 kind of promo ? 

depends on your Fixed Deposit choice when you signed up the first time.
Is it AND or OR?

eg.
A AND B. Both A and B need to be present
A OR B. Either A or B need to be present

Deal Hunter has explained it well in Post #7623
https://forum.lowyat.net/topic/4154481/+7620

This is one of the most common and disastrous mistake made by FD depositors due to lack of financial education, ignorance, carelessness, not taking care of their own interest, and being unable to understand the language.

The basic education of any FD depositor by bank staff or any teaching of financial life skills in schools should stress among other things:-

1) If simply cincai simply sign buta buta, usually the bank staff will automatically tick AND as a safety measure if forget to ask/get your choice.
From the bank's angle, this is to prevent any problem in case one of the depositor tries to redeem early or on maturity when he/she is not to do so.
This means, all the persons named in the FD have to show up. Very susah especially if some one is not available. Usually some finanacial loss on interest or penalty, or loss of opportunity to take up another better FD.

2) For ordinary people, you should be very careful whether you really want the AND choice, or else specifically carefully tick the box in the application form or request, and confirm that it is EITHER ONE TO SIGN  or OR. This means just ONE the joint holders can do everything conveniently in case the other/s not convenient to show up. Jokes aside, some bank staff may be so green and unable to understand what this means and are known to give trouble by insisting all show up. You must be very sure what your application choice is. This is not a clause in the T&C but a deliberate choice you must make to protect yourself and operation.

3) Depositors should carefully examine the application and any printout FD receipt/FD certificate before leaving the counter to confirm. You can ask the documents to be corrected if there is a mistake there and then, but things will be difficult if try to change later.

Thanks for all the above info, here's my update today:
- Withdraw FD at 12-1pm
- RENTAS RM5 without GST
- 2:10pm money is in MBB 

HLB Merdeka rate 4.2% is low. Waiting for the 7-7 digital. There is no UOB or Ambank nearby and I prefer online banking if possible.

Bank Islam 2 years 4.65% p.a. effective rate is over by end June.

https://www.hlb.com.my/ms/personal-banking/...BWCDD18020718B0
HLB Digital Day E-FD on 7July 2018 is 4.37 for 3 months.

RM0.00 UOB Ampang: Visit us on Saturday 07/07/18 (10am-3pm). Enjoy 12 mths FD promo rates of 4.38%pa with min RM10k new funds. Info, call 03-42640222. T&C apply

So now best is

UOB 4.38% Ampang Branch
RHB 4.38% Any Branch (15 Months)
Ambank 4.4% Any Branch

hi all, need some guidance wrt maybank online fd.

1) what is uplift?

2) how to cancel / terminate a fd before due date in system?

any T&C can watch or link ?

https://www.hlb.com.my/ms/personal-banking/...BWCDD18020718B0
HLB Digital Day E-FD on 7July 2018 is 4.37 for 3 months.