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.