[attachmentid=8497025]

About AM bank current promotion, this is what they showed at the counter. Anyway, I didn't ask about monthly interest.

Went over to Maybank Uda, Johor Baru yesterday and was told the promotion already closed.

Using M2U, you can do multiple FPX payments of 30k within a day

It is up to the depositor choice to put in a valid figure.The HL promo offer is minimum 10k up to maximum 30k per placement transaction. Like that, you can even place RM 18,888 as per fengshui b1Mbo style, but not 8k or 38k.

Earlier, I put RM 18,250 (RM36,500 / 2 with the idea to get RM 2 per interest bearing day - now adjusted to RM 4.10 / 2 = RM 2.05 per interest bearing day using the 36500 multiple trick for FD for easy interest calculation/checking.

In the case of 30k, some depositors may get an error/rejection message if they DID NOT ALREADY ADJUST their transfer limits to 30k or higher (if allowed) at the internet banking website or ATM of the bank where the money is paid from BEFORE BEGINNING the FPX transaction from Hong Leong Connect website. This happened to me, the first FPX try as my transfer limits are set to minimum default levels by the source bank.

Perhaps carentan problem is like one of the above situations.

Or from using some other banks (not Maybank M2U) which do not allow any number of FPX PAYMENTS per day and still stuck to the old maximum allowable transfer amount per day program.

The question of unexpected insufficient funds in source bank is less likely as there is no FPX fee charges. Hence no GST complications and calculations for this FPX payment (hope this is still valid).

In general, explanations are brief and made to look simple on purpose, and naturally cannot cover all the situations. Thus customers like carentan and me are likely to get into some problem. Sometimes, explanation is brief if it suits their interest HA HA.  Sometimes, it is long but maybe go into an irrelevant example to fool the customer HEE HEE.

Went to hlb asked for any FD promo OTC, was told only 2.9% with existing funds and 4% with fresh funds. So, wanted to uplift matured 800k from hlb FD and transfer to Ambank for 4.35% (5 years).
Asked the staff to uplift, and the manager suddenly appeared and ask why? Told her ambank offering 4.35% and she seems not aware of this promo from their competitor. =.=
Later she offered 4% for 12 months with the existing fund (without topping up) after got approval from HQ.
So, to define as fresh fund or not it is totally depends on your fund amount i would say.

Not everyone is looking at their investment/savings to get them rich. If you're a high earner your time is probably better spent earning than trying to get additional X% in investment (that's why hiring financial planner to spend that time for you is worth it for some).

If that FD amount is really really big.. why not ? But of course, you are not trying to get rich, because already rich..

5m x 4% = 200k p.a

Not bad lor

Not the only investment, but majority on FD. Since i have no guts to go for higher risk investment.

FYI Effective Rate 3.57%

[attachmentid=8565752]

Hi,
I was over at HongLeong at during lunch time, this is over the counter FD. Details on the attachment.

Thanks

Called up the number but the rate is not announced yet.

https://www.hlb.com.my/en/personal-banking/...ning-promo.html

Other Hong Leong branches now 4.2% promo for 10 months.

Any better deal out there?

all other banks are watching their client withdraw to Ambank, they just killed it.

Just done a FD at ambank 4.2% 12mth OTC.

To those who took up cimb money multiplier 2.3% + 3% 6 months bonus campaign, you might as well sign up 6 months earmark and get the free Irova robot vacuum. I heard cimb going to extend the free gifts campaign.
[attachmentid=9288226]

I don't understand what do you mean by "No Count". You mean CIMB will not give the savings interest for the earmarked amount ?

I checked again with CIMB, you will still earn whatever promised interest or bonus interest on your CASA's earmarked amount and the gifts is additional reward under the SAVE AND GET campaign.

The TnC for the SAVE AND GET campaign is pretty straight forward, earmark and don't withdraw within 6 months.
For those took up the extra 3% bonus interest campaign, since their money is going to stay in CIMB for 6 months for maximum interest, might as well sign up the 6 months earmark and get the extra free gifts for nothing.

Here is the TnC for SAVE AND GET campaign
https://www.cimbbank.com.my/content/dam/cim...tnc-eng-rev.pdf

That CIMB is irrevocably authorized to withhold and or suspend payment of any monies
from the credit balance of the Participating Account

Am bank is playing wolf is coming. The 4.2% and others rates are extended to 13 Nov. Only 24 months FD is removed

Best 3-month rate currently? Bangkok Bank listed on OP is expired.

Not bad, no need any amount in different account?

Unker's wild guess: 4.11%p/a for 11 months

RM0.00 UOB Puchong: Visit us on Saturday 11/11/17 (10am-2pm). Enjoy 12 mths FD promo rates of 4.20%pa with min RM10k new funds. Info, call 03-80768582.T&C apply

From SMS.

have you guys face transaction status: accepted for processing?? after placed the e-fd HLB???

Confirmed that is true with AmBank ABM. Bro has good info with AmBank !   

Anyway my UOB one is just temporary as mentioned above, struck deal with UOB RM.