dude, any promotion from AMBANK??

I just did my FD in CIMB @ 4.3% rate. Minimum is RM10k and 12 months period.

Done the cimb 6 mth eFD. 4.5%. The link still work. Will place again tomorrow due to daily online fund transfer limit.

Uob
Conventional 12 m 4.3
Islamic 10m 4.35

Rhb
13m 4.35

Amb
6/12m 4
12m 4.3 -must be PB

BR
7m  4.3
11m  4.5

HLB e-FD
6m 4

☝️ Min 10k

B. Isl- min 50k
24m 4.65

just did my 4.5% cimb 6 month ~

I think it's still available until 31 December.
https://www1.uob.com.my/personal/promotions...nking-fd-i.page

6 mth 4.4% is for senior saver.

In fact all AM promo rates unchanged till 30/12

Just went Affin for 15mths 4.45%. 12mths 4.4%. Until 31/12/2018.

Only senior saver will get 4.4%. Did you make any placement and get 4.4% ?

Encountered same thing several months back, delay of 1 to 3 days. At least twice. But they did calculate the interest based on the number of days. So did not complain. A bit strange especially there is holiday or weekend involved.

UOB system related ? Other banks even weekend or holiday still go by the date of the month. 

All of you willing share, make me remember, but I don't know below yes or no.

Yes, you put your money at 6am, but this is not mean the bank or bank system make a calculation at 6am.
The OTC staff counter told me, after 4pm the bank closed, but they still work, checking, calculation..., this is also make sure the placement able to use, so before this, I think the bank still not able use your money.
(Just like Sunday, morning want back end staff do the work and then can process the interest credited.)
If you put money via Bank Draft, normally is after 2 days you can take cash, so in this situation, more bank still on the spot give you same day of your FD. The bank still can't use your 2 days cash like that. (I think this point, your heart will feeling better.)
Like timetable, this is also like IBG follow the timetable, so no matter you last minute go to bank make the FD, the result is
you 1 Feb 2018 3:59:99 make FD, but bank allow you 1 Mac 2018 9:00:00 go to bank(if the bank open at 9am), than mean any time of this date. I think this is same like eFD, you can free to do any time(eFD also have open and closed time), but same count by whole date time.
(The bank maybe still received your "cash number, paper money", not deal with others bank, take a "real cash" situation.)
If your FD printed, mature date fall on 1 Jan 2018, when 31 Jan 2018 11:59:99 pm the bank will credited interest to your principle or CASA, so you only can withdraw on 1 Feb 2018 or after 1 Feb 2018 to obtain preview 1 month tenure interest.
This is same like is mature date fall on 15 Jan 2018, when 14 Jul 2018 11:59:99 pm the bank will credited interest to your principle or CASA, so you only can withdraw on 15 Jul 2018 or after 15 Jul 2018 to obtain preview 6 months tenure interest.
(The bank very aggressive, they set the max last minute time 11:59:99 pm credited, so if you before 11:59:59 pm, the interest still not credited, how you can take money, eFD also run like that. After 11:59:59 pm ready tomorrow, than mean 1 Jan 2018 - 1 Feb 2018.)

When Feb only 28 days or 29 days, so this month interest will less. Normally, UOB and CIMB system more fair to customer, that mean you can get more interest if you simply count the interest way by month. The bank count interest way is use 365 days, so the Feb always impact the interest result, but less, also no many, few. You'll surprise UOB and CIMB can more little, if compared with other banks, same amount with same day.

UOB FD interest also not banked in for 29th due date. So looks like UOB has different way of dealing wth FD interest as compared to other banks like BR, AmBank, HL, CIMB, MBSB etc.

Not that. Due to Sat/Sun, looks like they only pay on working day. But they would calculate by number of days from last pay interest date. 

Hong Leong
6 months - 4.3% (online and branch)
12months - 4.38% (online and branch)

https://www.hlb.com.my/en/personal-banking/.../ct-cny-fd.html

The best part of Affin bank is that Affin bank provides free online banking, you just need to request a virtual
card from Affin branch, no ATM card/debit card is needed to use Affin internet banking.

You can use Affin internet banking to transfer out your FD interest every 6 months.