Monday, April 9, 2012

Anda Melabur di dalam Fixed Deposits? - Maybank Fixed Deposit

Perbandingan Fixed Deposit yang pelbagai dari Maybank. 

Tetapi sekarang ini saya berpandangan Fixed Deposit bukanlah satu pelaburan yang begitu menguntungkan kerana nominal rate yang rendah berbanding Fund Investment yang lain. Begitu juga dengan fixed deposit dari kebanyakan bank-bank di Malaysia. Walaubagaimanapun, sekiranya anda ingin kebebasan di dalam pengeluaran dan penyimpanan wang, ianya lebih baik dari menyimpannya di dalam Savings Account :-)

Premier Club Account
Minimum deposit:
RM5,000

Membership fee:
RM100 per annum

* Eligible for protection by PIDM

Overview
A high interest savings account with a checking facility and special rates on selected loans

Benefits
  1. Enjoy a 1-month fixed deposit rate with a minimum daily balance of RM100,000 or more, maintained throughout the month. The amount in excess of the RM100,000 deposit will be entitled to the 1-month FD rate subject to having an aggregated financing (term loan and/or overdraft) of equivalent ratio to the excess balance
  2. Enjoy 1% of bonus unitswhen you purchase any selected Equity or Balanced funds and build your investment portfolio with us
  3. 5% discount for the first year on our endowment, term life and whole life insurance premiums
  4. Free Personal Accident (PA) insurance coverage of up to RM50,000
  5. Free medical expenses(accident-related) of up to RM3,000
  6. 25% discount on commission for Traveller's Cheques worth above RM2,000
  7. 3-year annual fee waiveron credit cards
  8. Convenient ATM accessat over 2,700 MEPS ATMs nationwide and via PLUS networks worldwide
  9. Stamp duty fee waiver of RM0.15 per cheque, and waiver on RM0.50 ATM fee on the 5th withdrawal onwards made in a month
  10. Special rates on selected loans for professionals: the Professionals Business Credit Line (PBCL) provides a working capital for your business or firm (minimum RM10,000 to maximum RM50,000 loan), Professionals Personal Financing helps with your general needs and Professionals Home Financing helps you secure your dream home

Who can apply
Individual customers only (personal and joint accounts applicable for residents and non-residents


Maybank2u.Premier
Nominal rate:
0.30 - 2.05% p.a.

Effective rate:
0.30 - 2.06% p.a.

Minimum deposit:
RM500

* Eligible for protection by PIDM

Overview
An interest-bearing current account with online features

Benefits
  1. Higher multi-tiered interest that is calculated daily and credited monthly
  2. 5% bonus interest on interest on monthly average balance of RM5,000 and above
  3. Checking facility
  4. Online access to your account from anywhere in the world, or make balance enquiries via ATM or Kawanku Phone Banking
  5. No introducer required
  6. Convenient access to branches, over 600 ATMs throughout Malaysia and Singapore and over 2,500 MEPS ATMs nationwide

Who can apply
  1. Individuals aged 18 years and above
  2. Malaysian citizens / permanent residents
  3. Non-residents of Malaysia (with working permits)
  4. Joint account — maximum of 4 persons

Premier 1 Account
Effective rate:
0.60 - 2.11%

* Eligible for protection by PIDM

Overview
A high interest-bearing savings account with the flexibility of a personal checking account

Benefits
  1. Multi-tiered interest - from the minimum balance of RM5,000, interest is calculated daily and credited monthly to your account
  2. Free Personal Accident (PA) insurance coverage of up to RM50,000
  3. Free medical expenses(accident-related) of up to RM3,000
  4. Convenient ATM accessat over 2,700 MEPS ATMs nationwide and via PLUS networks worldwide
  5. Payment convenience via Autodebit, Kawanku Phone Banking, Kawanku e-Pos, MASET (MAS Electronic Ticketing) and Maybank2u.com
  6. 25% discount on commission for Traveller's Cheques worth above RM2,000
  7. Academic Excellence cash awards for Premier 1 Trust Account holders
  8. Minimum opening deposit of only RM1,000
  9. No introducer required if you apply for a Maybank Premier 1 Account online via Maybank2u.com
  10. Privilege to apply for anunsecured standby overdraft of a minimum of RM10,000, without any security required and subject to existing credit processing procedure. Terms: Interest rate - BLR + 2.5% p.a., minimum monthly salary of RM2,000, loan reviewed on a yearly basis. Not available for customers with any other clean facility, account held in trust and clubs, societies and associations

Who can apply
  1. Malaysian residents
  2. Foreigners with a valid working permit
  3. Individuals, clubs, societies and associations (excluding co-operatives)
  4. Joint account - maximum of 4 persons
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