i am facing a conundrum. my ambank fd rm60k just matured  yesterday. i wanted to renew with ambank at their new promo rate of 4.08 %.  i was planning to transfer out the 60k to maybank then transfer from maybank back to ambank so that it would be consider as fresh fund.
but the problem is ambank told me that their system will identify  such transfer pattern and reject it as fresh fund.  can anyone advise a work around?

In BR to withdraw FD. Have nego before. They do not have FD promo currently. So nego for 1 year from 3.7% board rate to 3.9%. For 2 yr can offer nego of 4.1%. 5 yrs 4.5%. Up to March month end only. April offer not known yet. 

I think BR 5 yrs 4.5% can consider better than AmBank 4.35%.

Anyway moved to CIMB at 4.2% 12 mth. This is only for CIMB Preferred customer. For normal customer, CIMB FD promo 12 mth 4.1% for conventional and 4.05% for Islamic FD.

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With reference to your report 1- 39429xxxxx, based on confirmation and bank’s policy and procedures, we regret to inform that there are no options for auto upliftment upon maturity as all Fixed Deposits are auto renewed, including Fixed Deposits placed in CIMB Clicks.

Please be informed in CIMB Clicks there are only options to have either the interest credited to Principal amount or to have the interest credited to account directly. There are no options for auto upliftment upon maturity. Customers will have to uplift the Fixed Deposit manually.

You don't have to walk in. When they say "manually", they mean you have to manually login to Clicks and uplift. You don't have to physically go into a branch.

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I am bringing a BC to CIMB, to be divided into 2 portions, 1 for FD and 1 for SA. Will the fund appear immediately on the SA?

TQ

may i know the criteria, and any info to join as preferred customer?

Already knew about this yesterday but still opt for the CIMB 4.2% 12 mth with monthly interest. Main reason is 1 yr vs 2 yrs for the 4.25% and also the monthly interest given by CIMB. 

Let us know what rate u got !  

They gave me 4.2% and ask me to join preferred which I don't mind as long as the rate is good and most importantly the interest will be credited to your casa monthly

Q10: Are Islamic and conventional deposits protected separately?
A: Yes. Islamic and conventional deposits are eligible for a separate deposit insurance limit of RM250,000 per depositor per member bank.


http://www.pidm.gov.my/en/for-public/frequ...-system-(faqs)/

No possible, CIXX staff not allowed or rejected open BSA, want yearly annual fee ATM RM 8.48 or Debit card RM 15.90.
CIXX staff said : "CIXX no BSA account, can't open. Only old day got BSA account, now only RM 250 with annual fee card."

When you step the CIXX door tell want open account, the staff ready ask you pocket has money RM 250 or not, if not you unable received a ticker meet the banker.
After saw the CIXX banker, the CIXX banker also "CIXX no BSA" how can open to you? (Whatever CIXX website, BNX show can BSA.)

If put RM 250 with paid annual fee sure can, so please calm down.

When you FD with BC, the CIXX delay 2 days date, you lost 2 days interest.
When you want take out, the officer don't know where to go but the system very very very slow. The process look like very security but very trouble the customer. If not wrong can 2-3 hours compared with UOX(Very fast), OCBX(Not bad) and PXX(Ok).
The BC also others RM 0.53 or RM 2.12, If not wrong CIXX, PXX and MaXbank RM 5.98

Don't know what happen of CIXX, please calm down and take care your blood pressure when deal with CIXX.

Not true. Depends on banks. For HL, CIMB, RHB, for normal customers, their BC is RM5.80 to RM6.

Did they publish this in their website?

Anyway HL and RHB still RM5 to 6 for normal customer.

will they refund the money to me?i doubt so....
u think what will they do? warning? next time when wan withdraw,sure kena kaokao lo.....

If the staff dares to make it difficult for you after making a complain, get the staff's name and make another complain. I understand that many people would not like to go through that kind of hassle but keeping quiet will only make their attitude worse. Sometimes, just getting the staff's name can do wonders. From "Apa pun tak boleh" suddenly become "Apa pun boleh".

https://lm.facebook.com/l.php?u=http%3A%2F%...warn_external=1

If recession will happen in 2018, bank negara will lower the OPR beginning of 2018

No sure Cimb staff gave you wrong info or you got the right info wrong.
The RM15.90 is the debit card annual fee, applicable to both BSA without annual fee and BSA with RM8.48 annual fee.
There are two types of fees. Basic Savings account RM8.48 annual fee and Debit card RM15.90 annual fee.
You open BSA without fee but you still have to pay debit card RM15.90 annual fee.
Cimb doesn't provide free debit card to all casa eventhough you opted for BSA without fee.
The only way to get truly free BSA from Cimb is to open BSA without fee account and ask the staff to disable the debit card feature, the debit card can only be used as ATM card though.

I have a BSA without fee account + CIMB master debit card, no account fee and no debit card RM15.90 annual fee too. But the catch is my debit card doesn't come with debit card function, it's only an ATM card although there is a Master card logo printed on it. Debit card function can be reactivated at any time by calling up Cimb CS but CIMB will start charging AF RM15.90 thereafter.
Do a test, charge your CIMB debit at any CC merchant to see if your debit card works.

Debit card used to be free for BSA previously but I think Cimb's fees and charges policies had changed.

then it take about 15-20min to close n open the new account,update the interest FD and waive the previous annual fee...

4 November is Saturday, 5 November is Sunday. Looks like CIMB FD program is smart enough to put maturity date as Monday 6 November 2017 after checking and calculating like some other banks.

But did CIMB print the interest or the final amount as some other banks do?