Thanks

Anyone else here has PBB Islamic bank FD? I went online at pbebank to check my FD cert details. Screen shows all conventional FD certs but not the islamic FD. I have the cert but it doesn't show on the FD enquiry screen.

Should I be worried? or is it normal?

This post has been edited by okuribito: Apr 26 2018, 08:26 PM

Thanks. I'll ask them when i'm next at the branch

Tarak. Ilek. Mei you. Nada

When I login, I get the 9 choice matrix. Only 2 possible choices - Account and Investment.

So I click Account & then Islamic Term Deposit. It says "You do not have the relevant account. Click here to open one."

But when I click Account & then Fixed Deposit, I see my conventional FD there

When I click Investment & Islamic Deposit, it takes me to a placement screen ie to make new deposit. Nut no status of existing Deposits

TQ for headsup. Free luggage for all maturities? If got say RM20K, can make 4 placements and get 4 luggage? Anyone tried ?

Anyway 9m 4.28%, 12m 4.3% only 0.02% diff. Why 12m FD rates in the market not higher ~ 4.4%

PS:
Last time, IIRC forummers reported must open savings account first, wait few days then only can place FD? Still the same now?

This post has been edited by okuribito: Apr 30 2018, 12:23 PM

Thanks bro boomcc. I called ambank maluri & they say still got 4.4% 12m

hahaha times are bad. Squeeze here. Squeeze there. Everybody situation unique. Bkk Bk inconvenient for me. Thanks bro

Thx aeiou228. Unfortunately, cannot withdraw online. It was not set up as an e-fd by the DC branch ppl. So I need to go to a branch to do OTC.

Any others in same situation today?

Sorry I was careless initial post. Today I went online happily thinking I can withdraw to my savings. Then go branch get my cheque. But...

1) open list of FD & thinking like other banks can click on the cert & choose withdraw. Lo & behold cannot click on fd cert

2) chat with their AI bot, told me to go to "Apply" button... wtf has that to do with FD withdrawal? LOL so not intuitive

3) click "Apply" buttton, click withdraw but only got my eFD previously placed online eg the monthly payday offer BUT my 4.88 cert not there

So I look carefully... yalor not eFD. Anyway planned to go get banker cheque & walk across to 4.4% bank haha... so do all OTC

Yup I agree only eFD can be withdrawn online. OTC must be OTC. The special 4.88 case dunno what category because when placed they made us go thru some online screeen ... but cannot wdraw online. Saving grace, can do OTC at any branch

This post has been edited by okuribito: May 3 2018, 03:52 PM

hahaha comment of the year! they only gimme 1 miserable umbrella maybe becos I only go for 11mths. towel to wipe sweat would've been nice

Can ask for no annual fee BSA?

every 3 mths u get the credit. At the same time, you can choose to continue for the next step up rate or withdraw. If you withdraw, whatever credited to your savings is yours to keep, no penalty. If u withdraw say in the 8th month, u will have been paid 2 times interest but for the 7th & 8th month you get nothing. That's what the officer explain to me... same as the old PBB stepup

I must be lucky. I got ATM card with BSA. Maybe the staff screwed up.but he said max dunno how many times can use the card pmth 😁

cybpsych Thanks for sharing. Never knew about the day of week format feature till now hahaha

Everybody has diff approach. For me, the maturity date is fixed by bank on the cert - so I just enter that date instead of calculating it with formula. That date is important - i use it to sort / filter upcoming maturities

Can I ask what AP-AR denotes? I can only guess that it is your way of classifying the characteristics of the FD deal (deal hunter has his own cryptic code as well hahaha)

human spreadsheet a la 555 notebook

Last time got - i went for their step up promo few years back. PBB is good if invest in their shares. But not as depositor imho.

is affin 15m 4.4% monthly interest? or for senior citizen only? TQ

have to wait and see. it is an islamic "term deposit tawarruq Account-i" & brochure says *rates subject o change time to time

as for affin, they just raised their base rate few weeks ago despite rumors of bnm rate cut

when pbb had their stepup FD, they printed all the stepup rates & dates at the back of the cert. But not this Go7 islamic term deposit.

No way to "mitigate some risk" imho. At their mercy. The 2nd rate per brochure is 3.9% - let's say they give u 3.85% when due in June. What can u do? Premature withdraw? They'll claw back interest paid earlier.

Hope they'll stick to the rates they advertised all along. And I think they will. If they don't, they'll only give themselves bad rep

100k is pretty low what's the benefits? If good i go put summore

the branch i went, no need to ask they dated the cert nicely but collect 2 days later. Only thing i dun like is the cert say matang in 3 mths time LOL

Which branch u went? My friend went pj s14 branch kawtim in 2hours... But say ask so many questions like pdrm 😂