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 Maybank2u eFixed Deposit

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AskarPerang
post Oct 3 2008, 01:19 PM

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QUOTE(john123x @ Oct 2 2008, 05:16 PM)
is the normal fixed deposit account same with E-fixed deposit  account?
cause i got the normal fixed deposit account number. and i really want to try e-fixed deposit cause i dont have the crap time to go to maybank

my bad experience of e-fixed deposit:
first time i am trying to open up a e-fixed deposit fail because this is the first time i am opening a fixed deposit. and ironically to make matter worse, my home branch jalan temoh, klang is no more due to relocation of maybank centre to menara klang. and i got to go to maybank just to place an e-fixed deposit.

second time: i got panic when after maturity, principal and interest is not creditted to my account. and the lousy reason is jalan temoh home branch is not menara klang homebranch. and i got to go to maybank to settle it, and after few sleepless night its settled. (luckily i am just testing e-FD for a month.......)

sequencely, all my FD is the normal cert FD placed at the centre....

wish me luck, i gonna test e-fd again and i hope this time they wont upset me again.......i also prepared test cases to be safe

TEST 1: after put e-fd, i'll try to uplift it after couple of days and see whether its creditted back to account

TEST 2: after maturity, testing whether the principal and interest is creditted into account.


i cant believe so much time is wasted just for E-FD.
*
Please let us know with your test finding. Thanks. notworthy.gif


So let say I put RM5000 for 1 month = 3.00% p.a, at the end of the month, I'm able to collect extra RM150?
Edit: it is per annum. Haha...didn't realize that.

This post has been edited by AskarPerang: Oct 3 2008, 01:28 PM
AskarPerang
post Oct 5 2008, 12:16 PM

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QUOTE(john123x @ Oct 2 2008, 05:16 PM)
is the normal fixed deposit account same with E-fixed deposit  account?
cause i got the normal fixed deposit account number. and i really want to try e-fixed deposit cause i dont have the crap time to go to maybank

my bad experience of e-fixed deposit:
first time i am trying to open up a e-fixed deposit fail because this is the first time i am opening a fixed deposit. and ironically to make matter worse, my home branch jalan temoh, klang is no more due to relocation of maybank centre to menara klang. and i got to go to maybank just to place an e-fixed deposit.

second time: i got panic when after maturity, principal and interest is not creditted to my account. and the lousy reason is jalan temoh home branch is not menara klang homebranch. and i got to go to maybank to settle it, and after few sleepless night its settled. (luckily i am just testing e-FD for a month.......)

sequencely, all my FD is the normal cert FD placed at the centre....

wish me luck, i gonna test e-fd again and i hope this time they wont upset me again.......i also prepared test cases to be safe

TEST 1: after put e-fd, i'll try to uplift it after couple of days and see whether its creditted back to account

TEST 2: after maturity, testing whether the principal and interest is creditted into account.

i cant believe so much time is wasted just for E-FD.
*
any update from your test mate?
AskarPerang
post Oct 7 2008, 01:39 PM

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I just place RM3K for 3 months as a test.
Hopefully not going to use the money.
AskarPerang
post Oct 14 2008, 06:01 PM

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QUOTE(alien0110 @ Oct 14 2008, 02:15 PM)
I don't feel safe to use eFD, you don't get any paper, only a number, I prefer solid receipt as proof of my FD placement.
*
You can print out the transaction as proof.
I think it should be save. There is this reference number that you can check.
AskarPerang
post Oct 18 2008, 09:45 PM

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QUOTE(Salamurhaaja @ Oct 18 2008, 09:40 PM)
So can i know when i deposit RM1000 for 2 month... How much total interest will i get... How to calculate...

If deposit RM1000 for a year how much interest will i get... Really need help...

And izit deposit for 2 month and 12 month is the same (same mean if i deposit 2 month for 6 times izit total i get is the same as 12 month interest)
*
Nope. You deposit 12 months you get 3.7% p.a. 2 months you get 3.0% p.a. only.

QUOTE(gkl83 @ Oct 15 2008, 10:08 AM)


Example:
6months @ 3.4% interest
{[RM5000 X 3.4%] / 2 (6months)} = RM85
u get RM85+ for every 6months
roughly u get RM170+ for 1 year

1months @ 3.0% interest
{[RM5000 X 3.0%] / 12 (1months)} = RM12.5
u get RM12.5+ for every 1 months
roughly u get RM150+ for 1 year

user posted image
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AskarPerang
post Jul 12 2009, 11:55 PM

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The FD rates drops:

Tenure
Rate (% p.a.)
1 month
2.00
2 months
2.05
3 months
2.10
4 months
2.10
5 months
2.10
6 months
2.10
7 months
2.10
8 months
2.10
9 months
2.10
10 months
2.10
11 months
2.10
12 months
2.50
13 months
2.00
14 months
2.00
15 months
2.00
18 months
2.00
24 months
2.00
36 months
2.00
48 months
2.00
60 months
2.60
AskarPerang
post Jul 13 2009, 10:07 AM

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3% return is still lower compare to de rate on offer last time.

 

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