Yup once a year at any time. A bit more flexible than FD in case you need money for emergency use

nanbade, you janganlah kacau daun.

June, my avatar has no semblance to the real me.

is iQ available nationwide or just klang valley only?

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This post has been edited by June_llk: Feb 5 2009, 11:30 AM

June, where are you based? Branch or HQ?

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This post has been edited by June_llk: Feb 5 2009, 11:35 AM

Later real people maybe more ... lol kidding, no offense ~

At branch more safe, don't meet at other place...lol

tht's why i mention, it's not for every1..

well, I love to have a cup of coffee June.

Latest promotion by iQ

http://4.bp.blogspot.com/_tb2x5pTeHUI/SUPA...s1600-h/iq2.jpg

This post has been edited by June_llk: Dec 13 2008, 10:06 PM

Emergency doesn't happened once a year.

What if I met another emergency that i need to withdraw money out again, how much penalty for 2nd withdrawal, 3rd, and 4th??

This post has been edited by June_llk: Feb 5 2009, 11:35 AM

hi all,

jz to share some benefits for iQ service:

1) e-cashflow stmt - no more hard copy stmt will deliver to your house/off, everything is via internet (for iQ current/iQ creditcard). - ur cash in n cash out will show in ONLY 1 stmt, which u no need to monitor many bank a/c stmt if you consolidate all ur banks a/c into iQ current a/c.

2) bill payments - believe majority of us, will have at least 1 or 2 or even more payment which u need to pay every month. eg: credit card bill, hire purchase, housing loan or other utilities bill.. imagine u need to rmb all the duedate.. can you make sure u'll not miss out 1 or 2 payments? as now the credit cards interest & overdue charges is so high (min OD charge rm10, max rm100), how many time the bank can help you to waive those charges if u tell them u forgoten the duedate? with iQ, ocbc is doing all the memorising (rmb all the duedate for u), in other words, ocbc is doing all the bill payment for u if u are iQ customer. simply step, sign up the billpayment or auto transfer form, iQ will help you to transfer fund/make payment for u = so long ur a/c or credit card is having sufficient balance/limit. (convenient?)

3) further more, iQ regular savings plan, giving higher interest. as we know that if we were to start saving in monthly, sometimes is very difficult. lots of excuses given, eg: this month need to buy xxx, nvm, jz dun save for this month, next month will save for 2mths. when come to the 2nd month: my gf/bf b/day, need to buy present... etc n etc.. iQ savings plan is a 'decipline' plan as it 'force' cust to save every month. fixed amount (min rm50, max rm5k per month) will be auto transfer from iQ current to savings plan to help u earn higher interest.

4) IBG transaction: as wat we know, every single transaction that u perform online will be charge (1st n 2nd tranx in a month is 50cents, subsequence rm2 per tranx). imagine u have 1 car loan, 1 housing loan n 3 credit cards. how much u need to pay for 1 mth. simply calculation (rm0.50 + rm0.50 + rm2+rm2+rm2=rm7). imagine every month u pay extra rm7 jz for 5tranx. what if u need to transfer more frequent.. cool.. u can start to calculate your own..

iQ do charge a certain amount of monthly service charge. charges depend on your iQ a/c average balance. if a/c average balance <rm5k, rm15 will impose every month. however if u maintain a average balance more than rm5k, it ONLY charge u rm5; for ALL the transaction u perform in a month. meaning to say with only rm5 per month, u can do as many transaction as u want in that month.. aren't it sound great?

there are more previleges n benefits for iQ customer.

interested to know more? can contact ocbc iQ service executive at 1-300-88-5000 or 03-8317 5000. contact the bank to know more or to secure an appointment with iQ manager.

p/s: income not necessary must be rm60k and above. so long that you are any Gold credit card holder (more than a year), chances is there to become iQ nember.

so, june, when are you free for coffee?

This post has been edited by June_llk: Feb 5 2009, 11:58 AM

very professional indeed, ask for phone number so no need to buy me coffee.

hahahaha..

...but I can't resist la. And since you asked me which part, the part where we shall go out to have a cup of coffee.

Those who ask me about iQ account, here's the interactive webpage http://www.ocbc.com.my/myIQ/index.html



This post has been edited by June_llk: Feb 5 2009, 11:36 AM

June, are the T's and C's for this iQ account similar to previous year's, or there are changes ? Esp on the interest rate ? Thank you,.......

This post has been edited by June_llk: Feb 5 2009, 11:36 AM

June, I appreciated your advice.... Thank you.

Do PM me if the rates become good later......