do you need to present the physical cert for redemption or can redeem online??

They are doing the same practice like pbb- that’s why I’ve stopped dealing with them. They only allow inter branch withdrawal if amount is below 20k. Otherwise it’s a no.
Rentas is always the preferable method. If you walk in with large amount of cheque from different bank, they will question about it but using Rentas, no questions asked.

Isn’t it better to terminate than rollover another one month at board rate? Or they have given better than board rate.

Keep us posted. Good to know next year how I’m gonna deal with them.

Their cheque is in multiples of 30k which is rather redundant and end up whole stacks. You can reserve cash up to 500k for withdrawal from my last meet up with the bm.

Already lock some at 18m

So you expecting 5%?

I just do not think it will go much more then 4.5%

You are right that it will go up. But I seriously doubt it will be above the original rates before the pandemic.

Why not look at it this way: any extra month left waiting is a loss. At 4.5, that’s 0.375 per month.

Unless next incoming rate >5, it doesn’t seem to be deal breaker.

last day today