理财 | eFixed Deposit 网上定期存款- Maybank2U

今天想介绍的是Maybank2U 的网上定期存款

我不知道大家有没有听过/用过/用着这个我觉的超方便的定期存款。至少当我极力推荐给我身边的人时候，他们都不知道。

以前我们要弄定期存款必须亲自到银行去弄，然后银行会给我们一张写着定期存款细节的纸面，放进银行的文件套里，让我们收在家里 :D   当我们要兑现钱的时候，再拿定期存款纸面去银行换取现金，因为需要去到银行所以超不方便的。

在几年前，当我还是新鲜打工女努力存钱时，定期是我第一件做的‘储蓄’计划，其实是为自己留一个紧急现金（Emergency Fund )。需要至少5千才能放每月定期转。而我有一个想法，如果每个月我可以存Rm300，然后每月把这个钱加在我银行的定期5千，那我就不用需要等到存足另外一个5千才放新的月转定期。（虽然也可以1千就放定期，可是需要放两个月转）


我去银行询问我是否可以如此做时，我还记得那个银行员目瞪口呆，说如果是传统的定期，就必须每月去银行弄，而且必须取消旧定期再弄新的定期。那个程序也需要时间哪。。。除非！我用网上定期存款～～ 很感谢主在我那年代已经有这种方便了，呵呵

这网上定期存款是什么东东呢？其实也是定期存款啦。只是我们只需要在网上操作，非常方便，而且可以用我的方法，每月自己取消(Uplift)定期，加上我要存的钱再弄新的定期。

例子： RM5000 每月定期转（3% P.A)

第0个月:RM5000
第1个月:RM5012.5  + RM 300 （Uplift RM5012.5，放新定期RM5312.5)
(3%/12月=0.25% , 0.25%×RM 5K=RM12.5) 

可能你的目标是10K的定期，这样可能会早点帮你达标。


另外一个好处是当我需要钱的时候，我随时可以网上操作Uplift钱（当然如果在没到期就取消定期是没有利息的，条件和传统定期一样），而不是回家拿纸面去银行排队。

目前为止，只有Maybank2U有这样的网上服务，因为当我想比较网上定期存款的利息时，才发现其他银行都没有这种网上服务。也因为这原因我还蛮欣赏这只Maybank’老虎‘股。。呵呵

==>谢谢Boon大哥的comment  :)  CIMBclicks也有这网上服务：http://www.cimbclicks.com.my/efixed-deposit.html

当我打efixed deposit时, 网页85%的资料都是maybank2U，可想而自知网上marketing的重要性 @@

详细资料可以在Maybank2u 查询：

http://www.maybank2u.com.my/mbb_info/m2u/public/personalDetail04.do?channelId=ACC-Accounts&cntTypeId=0&cntKey=ACC03.03&programId=ACC03-FixedDepositAccounts&chCatId=/mbb/Personal/ACC-Accounts

Tenure:
1 - 60 months

Minimum investment:
RM5,000 (1 month)
RM1,000 (2 months and above)

Interest rates

Tenure	Rate (% p.a.)
1 month	3.00
2 months	3.00
3 months	3.05
4 months	3.05
5 months	3.05
6 months	3.10
7 months	3.10
8 months	3.10
9 months	3.10
10 months	3.10
11 months	3.10
12 months	3.15
13 - 24 months	3.15
36 months	3.30
48 months	3.40
60 months	3.50
Revised Fixed Deposit rates for Conventional Scheme for tenures 48 months and 60 months with effect from 17 December 2012.

Service comparison

Here is a quick comparison between the normal Fixed Deposit and eFixed Deposit.

Services	Fixed Deposit	eFixed Deposit
1st placement: creation of Fixed Deposit account (customers without an FD account)	Creation of FD account is done over the counter Certificate will be issued to customer Mode of payment for placement can be cash or debit banking account	Creation of FD account is done online via Maybank2u.com and processed by the branch the next working day No certificate will be issued Mode of payment for placement is only debiting the account linked to Maybank2u.com An 8-digit reference number ending with 'E' will be given
Subsequent placement (customers with an FD account)	Subsequent placement is over the counter (at the home branch) Certificate will be issued to customer Mode of payment for placement can be cash or debit banking account	Subsequent placement can be done online and debiting of account in real time No certificate will be issued Mode of payment for placement is only debiting the account linked to Maybank2u.com An 8-digit reference number ending with 'E' will be given
Upliftment	Upliftment can only be done over the counter (at the Home branch) Mode of payment for upliftment can be cash, credit to account or banker's cheque	Only reference numbers with 'E' can be uplifted via Maybank2u.com FD with certificate needs to be uplifted over the counter (Home branch) Mode of payment for upliftments can only be credited to account linked to Maybank2u.com
Premature withdrawal	Premature withdrawal can be done over the counter for FDs with certificates only	Premature withdrawal with reference number ending with 'E' can be uplifted via Maybank2u.com only

Services	Fixed Deposit	eFixed Deposit
Partial withdrawal	Partial withdrawal can be done over the counter	Not available
Modification of FD details	Modification of FD details such as term, interest payment code or maturity handling can only be done over the counter (Home branch)	Modification of FD details such as term, interest payment code or maturity handling can be done over the counter (Home branch) and via Maybank2U.com
Service availability	Normal banking hours over the counter	6am till 10.30pm, 7 days a week including public holidays
Ex-Phileo Allied eOne customer	Customers with eOne accounts can place or uplift over the counter for FDs with certificates	All eOne Fixed Deposit accounts will be converted to eFixed Deposit and all certificates will be converted to an 8-digit number that ends with 'E'. Upliftment can be done via Maybank2u.com
Joint account	Either one of the joint holders can withdraw upon presenting the FD cert at the counter	Either one of the joint holders is allowed to perform the uplilftment Proceeds of FD can be credited to any of the joint holders' accounts (either joint/individual account linked to Maybank2u.com)