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 Fixed Deposit Rates In Malaysia V. No.15, Strictly for FD Discussion Only

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starry
post Dec 22 2016, 07:03 PM

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QUOTE(owodog91 @ Dec 22 2016, 09:50 AM)
RHB 6 month 4.1% minimum 50k still available
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Thanks for the update thumbup.gif
Just placed this afternoon biggrin.gif
starry
post Dec 22 2016, 11:18 PM

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QUOTE(drbone @ Dec 22 2016, 07:36 PM)
Any idea till when?
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QUOTE(raptar_eric @ Dec 22 2016, 09:10 PM)
Need to have CASA?
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QUOTE(raptar_eric @ Dec 22 2016, 10:59 PM)
Anyone know if rhb fd promo requires casa?
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Till 31 Jan 2017 unless quota met earlier.
Yes, need CASA.

This post has been edited by starry: Dec 22 2016, 11:21 PM
starry
post Dec 27 2016, 11:50 AM

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Hi,
Anyone here knows PBB's policy in the calculation of FD interest of placements which matures on a weekend?
starry
post Dec 27 2016, 12:32 PM

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QUOTE(bbgoat @ Dec 27 2016, 12:12 PM)
You have to tell the counter staff on this. They will calculate and give u the add'l interest.  biggrin.gif
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Thanks for the reply bbgoat

The FD is placed for a tenure of 6 months under the following promotion step up rate:

Attached Image

So the interest for the final weekend should be based on board rate or promotion step up rate of 4.68%? This happened to my friend. One PBB branch calculated based on the board rate but another branch calculated based on the step up promo rate for FD placements which mature on a Saturday and uplifted on a Monday.

This post has been edited by starry: Dec 27 2016, 12:33 PM
starry
post Dec 27 2016, 01:19 PM

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QUOTE(bbgoat @ Dec 27 2016, 01:12 PM)
Based on my experience with few banks, most used the board rate. One of them seem to use the last rate on maturity as I calculated the add'l interest given which is more than the board rate.

Anyway we have to ask to get this though some banks may not entertain it.  biggrin.gif
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From my experience so far HSBC and HLB systems auto-calculate the weekend interest based on promo rate. There's no standard guideline from BNM regarding this? hmm.gif
starry
post Feb 4 2017, 10:35 AM

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QUOTE(bearbear @ Feb 4 2017, 07:46 AM)
I went to 2 ambank branch, with 50k for 5 years both quoted me 4.32%

if you are getting lesser then you should stop visitting that branch.
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Hi bearbear, that's an attractive rate thumbsup.gif
May I know which branches you went to?
starry
post Feb 4 2017, 05:20 PM

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QUOTE(bearbear @ Feb 4 2017, 11:00 AM)
kepong (near wai sek gai)

rawang

at rawang they even show me their internal doc with list of tenure & rate.

but they are very particular with "fresh fund", if you withdraw cash fron your ambank acc they cannot process the FD until the next day. at kepong they willing to let me utilize my fund in my saving for FD provided I top up at least 30%
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Thanks for the heads up notworthy.gif
starry
post Mar 2 2017, 01:56 PM

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QUOTE(bbgoat @ Mar 2 2017, 09:53 AM)
Miss out CIMB:
12 mth 4%

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Hi, need to open CASA for CIMB 12 mth 4%?

Today placed HLB conventional FD 6 months 4%. Fresh fund. Min 10k. CASA. Promo valid till 30 April.

This post has been edited by starry: Mar 2 2017, 01:57 PM
starry
post Mar 6 2017, 11:34 AM

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QUOTE(??!! @ Mar 6 2017, 12:37 AM)
CIMB RM called to inform new promo

12 months 4.15%
min 10k fresh fund

Not sure if it's just for PB customers.
For non PB customers, can still try asking; esp if you have bigger amount to place.
Previously,managed to get PB promo rates for relatives who are non PB customers .
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Thanks for the update bro.
Need to open CASA?
starry
post Mar 10 2017, 02:57 PM

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QUOTE(iphone4g @ Mar 9 2017, 11:40 PM)
May I know which CIMB branch offered 4.15% FD
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QUOTE(HarpArtist @ Mar 10 2017, 12:42 PM)
got mine at klcc
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Hi HarpArtist, good for you. Are you their PB customer? 4.15% 12 Months Min 10k? CASA?

This post has been edited by starry: Mar 10 2017, 02:59 PM
starry
post Mar 10 2017, 06:24 PM

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QUOTE(Babablacksheep @ Mar 10 2017, 05:10 PM)
Inquired with CIMB,
12 months 4%.
Manager say there isn't  any 4.15% FD, hmmmmm...
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QUOTE(HarpArtist @ Mar 10 2017, 05:50 PM)
err not sure the min. put enough to fulfill the aum for cimb preferred.
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Thanks for the reply. So I gather CIMB 4.15% 12 Months FD is promo rate for their PB customers.
starry
post May 6 2017, 03:46 PM

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QUOTE(thisisyourname @ May 6 2017, 01:46 AM)
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.
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QUOTE(Darren @ May 6 2017, 08:45 AM)
same happen to me
they say must open a saving account with rm250 n charged rm15 n gst for annual fee
kinda pisss me off but when i think have to queue again if go other branch/come another day,i give in.....lolx....
anyway the interest can help cover abit....better than normal rate bank....
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Which CIMB branches did you guys go to? I just chatted with CIMB CS at their FB page and confirmed there's free BSA. CS says can provide them the branches that refuse to offer free BSA and action will be taken.


This post has been edited by starry: May 6 2017, 04:05 PM
starry
post May 6 2017, 04:41 PM

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QUOTE(Darren @ May 6 2017, 04:35 PM)
i go to cimb jinjang branch on friday....
they say is a must to open a saving account with annual fee rm15+GST
i say i no need debit card and jz a basic saving account for the interest
they say cannot...
so no choice jz accept lo......
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You can lodge a complaint at CIMB FB and they'll follow up on your case.
starry
post May 9 2017, 12:07 PM

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QUOTE(Darren @ May 9 2017, 07:43 AM)
M: Dear Cimb,

Cimb : Darren Kua, how can we assist you? 😊

Me: I would like to know is cimb not offering normal basic saving account? I open a new promotion FD but been told that i have to open a saving account with rm15 charges annual fee....
i already told the staff that i jz need a saving account for the interest. But been told that cimb dont have basic saving account. is that true?

CIMB : Hi Darren Kua, we are checking on this matter and will revert back to you soon. Thank you for your patience. 😊

Me :as far as i know, BSA is a requirement from BNM. Cimb should be offering it.
kinda disappointed on this issue. if not i already buy banker cheque to tranfer from my other bank,i wont put into ur bank FD.

CIMB : Hi Darren Kua, we appreciate your feedback and regret for any inconvenience caused. Kindly provide your full name, contact no and email address only for our further action. Our officer will be glad to contact you and assist on this matter. You are not required to share any NRIC, passport, account or card number for security purposes. Thank you very much.
Let see how the progress later....
dont like been cheated even the amount is not big
frankly say,if not i buy BC from my hlbb rm6,i wont put in cimb lo....
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Hi Darren, for faster response you can call Ms Usha at 03-23026615 (CIMB Customer Resolution Unit) to follow-up on your case. Just got this number from a friend who lodged a complaint at CIMB. Do let us know the outcome of this issue.

This post has been edited by starry: May 9 2017, 12:35 PM
starry
post May 10 2017, 04:12 PM

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QUOTE(gsc @ May 10 2017, 03:46 PM)
Am bank
For Am bank, they always charged me rm8 for the card and passbook. Will check with them next time.

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Am Bank offers 2 types of Basic Savings Accounts: Fee and Non-Fee.
Non-fee is the free BSA.

https://www.ambank.com.my/ambank/SitePages/...gs-account.aspx


I just opened a free BSA at Am Bank a couple of months ago. Their CS knows their products very well. She gave me the Savings Accounts brochure and explained all the different types of Savings Accounts Am Bank has to offer.

Btw, you can check your account type when you logged into your account at amonline.com.my. You can see your savings account type, if it's a free BSA, it's shown as "SA Basic Non Fee."


starry
post May 18 2017, 04:25 PM

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QUOTE(Vio @ May 18 2017, 03:30 PM)
is this applicable to walk in? i checked placement via online and only 3.1% is shown
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Yes, I walked in to CIMB to make the FD placement today, 1 year 4.1%. Opted for Islamic FD to get the monthly interest.

I had to educate their CS about the free BSA with free ATM card (up to 8 free ATM cash withdrawal per month). CIMB should really equip their CS with comprehensive knowledge about all the bank's products.

The young gentleman who served me was polite and soft spoken but had poor knowledge about the bank's products. I had to explain and show him print outs from CIMB portal, and informed him I've already confirmed the info with a CIMB regional manager and CRU. Then he hesitantly said,"You're sure there's a free ATM card huh? Ok, I'll apply for you." And he also didn't know the difference between conventional FD and Islamic FD until I told him. rclxub.gif
starry
post Jul 3 2017, 10:59 AM

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QUOTE(Cookie101 @ Jul 3 2017, 08:16 AM)
AMB 12m 4.1% min 10k
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QUOTE(newbiz2008 @ Jul 3 2017, 10:07 AM)
monthly interest or upon maturity interest?
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Monthly interest for senior citizens only (above 50 years old)
starry
post Jul 12 2017, 07:26 PM

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QUOTE(bbgoat @ Jul 12 2017, 06:47 PM)
Affin FD promo:

18 mth 4.2%
24 mth 4.25%

min 10k

[attachmentid=8961372]
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Thanks for the update.
May I know Affin FD promo valid till when?
starry
post Jul 12 2017, 08:35 PM

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QUOTE(bbgoat @ Jul 12 2017, 08:04 PM)
Sorry, did not ask, just grab this from the counter today. However Affin seems to be changing their offers from time to time. Also with higher amounts slightly better offer. So unless u plan to put for next few days, better to call to enquire first.
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Thanks, will call before I go to the bank.


QUOTE(drbone @ Jul 12 2017, 08:06 PM)
I transferred RM 1000 into the savings account and according to them , the amount will be locked in for 7 working days after which I can use it again. Surprised you managed to get monthly interest. When I asked, they said unable to offer that to me. shakehead.gif
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QUOTE(drbone @ Jul 12 2017, 08:25 PM)
Doubt they will amend this option for me if I ask them now.... bangwall.gif
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It's stated in the TnC, monthly interest will be credited into nominated CASA.

8. The Eligible FD/-i Customers are required to nominate a CASA/-i Account maintained with
HLB/HLISB under the name of the Eligible FD/-i Customers (“Nominated CASA/-i”) for the purpose
of crediting the interest earned under this FD/-i Promotion. The interest/profit earned will be credited
into the Eligible FD/-i Customers’ Nominated CASA/-i on a monthly basis.

https://www.hlb.com.my/content/dam/hlb/my/d...C_branch_FD.pdf
starry
post Jul 17 2017, 03:40 PM

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QUOTE(okuribito @ Jul 17 2017, 03:20 PM)
Hi all, is the ambank 4.1% monthly interest?
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Only for those above 50 (senior citizens)

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