Hi guys,

Can an imteen account make an efixed deposit placement?
I keep on getting the message on the step 2 that "you don't have a joint account".
Thank you~~~

want to ask,
if i put 2 month efixed deposit,
mean after 2month i withdraw, will got interest or not?
thanks

U put 2 months FD, 2 months later of course u will get interest

calculate this way

placement amount x interest rate x months placed / 12 months

E.g. place RM5K for 2 months at 3.1%

RM5K x 3.1% x 2/12

That's right. Some ppl still thinking they can get 3.1% within 2 month . Forgot to divide 12 months.

select which eFixed Deposit type? and how to see the rate?

if i choose 6 months tenure, the interest will be calculated monthly ? quarterly? or after 6 months onli? im still kinda confused, whether FD have compounding interest

One of them is conventional FD.

The other is Islamic banking based FD.

Interest not compounded.

e.g. placement of RM1,000

Interest u get is RM1,000 x rate x 6/12

U only get it at end of 6 months, thus not compounded

ok thanks for the clarification

How soon Maybank will deduct your account after eFD placement? Did on Sunday (it show accepted but money is not deducted ), considering Sunday is not working day I expect to be done on Monday but nothing happen until now.

Is it your first time?

Yes. any issue if first time?

It takes time to create a FD account for you.

After that, the subsequent placement will be instant.

oh ok thank you. how many days on average it can takes?

Just FYI, Conventional and Islamic eFD are treated separately.

I previously opened Islamic eFD (6-mth), took 1 working day. Serial number with 00000001E.

Then I opened Conventional eFD (1-mth), took 1 working day again and marked as 1st placement. Serial number also with 00000001E.

It took one day for my first FD.
For subsequent it will be instant but i never do it on the weekend.

I placed my first fixed deposit via maybank2u efixed deposit. They called me up on the next business day just to confirm if I actually opt for the service. (You may still change your mind)

After maturity, I realized that the funds were not credited back to my savings and also I couldn't view the FD on my maybank2u. I was worried and called them. After investigation they called me up and said that the amount will be credited back to my savings acct and as I recall they didn't really explain what happened.

Lately I only found out that certs would be issued for FD placement over the counter. Hell I was pretty stupid and almost lose my money if MBB just brush me off.

But anyway, I still find efixed deposit is more convenient than over the counter.

i done for 2 months....

i top up the base every month, so i only place one month... ^^ very convenient services

I think bcoz conventional eFD under Maybank while Islamic eFD under Maybank Islamic thus are treated separately