tag:blogger.com,1999:blog-37872616.post1287754860446580620..comments2024-03-29T12:20:03.199+08:00Comments on BULLy the BEAR: I just want a checking accountla papillionhttp://www.blogger.com/profile/01372278083694506953noreply@blogger.comBlogger27125tag:blogger.com,1999:blog-37872616.post-44686826912244799732010-04-20T01:12:48.326+08:002010-04-20T01:12:48.326+08:00Hi everycentcounts,
I eventually signed up with s...Hi everycentcounts,<br /><br />I eventually signed up with stanchart xtrasaver's account. I had received their free check book already. I don't think I'll be using a lot of checks in the first place, so it should work good for me :)<br /><br />Thanks for sharing your experience in this :)la papillionhttps://www.blogger.com/profile/01372278083694506953noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-50838043373524567702010-04-19T23:27:50.826+08:002010-04-19T23:27:50.826+08:00Me too. I dun believe in paying service charges. I...Me too. I dun believe in paying service charges. I've been issuing cheques using unsecured credit facilities. As I signed up for it<br />during promotion, the bank actually credited me $30 free. Have shared this in blog.Everycentcountshttps://www.blogger.com/profile/10893288050385503017noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-79898969277995879272010-04-09T22:01:16.358+08:002010-04-09T22:01:16.358+08:00Hi FF,
Hmm...it seems that ocbc gave a lot of peo...Hi FF,<br /><br />Hmm...it seems that ocbc gave a lot of people very bad service. I hope someone who works there sees my post and do something about it.la papillionhttps://www.blogger.com/profile/01372278083694506953noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-58094031132383325382010-04-09T22:00:42.328+08:002010-04-09T22:00:42.328+08:00Hi bro8888,
On average, around once a week?Hi bro8888,<br /><br />On average, around once a week?la papillionhttps://www.blogger.com/profile/01372278083694506953noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-58914399210382807602010-04-09T20:02:45.419+08:002010-04-09T20:02:45.419+08:00Hi LP,
Yeah. OCBC has really bad service.
When I...Hi LP,<br /><br />Yeah. OCBC has really bad service.<br /><br />When I opened a savings account there a few years ago, I was asked by the counter staff:<br /><br />"Why do you want to open an account here for?" <br /><br />in the most condescending way.<br /><br />I have since closed the account.ffhttp://sgfinancialfreedom.blogspot.comnoreply@blogger.comtag:blogger.com,1999:blog-37872616.post-74652391022186475322010-04-08T22:00:56.551+08:002010-04-08T22:00:56.551+08:00how often you guys go to ATM to draw money? I only...how often you guys go to ATM to draw money? I only do it twice a month to top up my home "atm"Createwealth8888https://www.blogger.com/profile/08563834016250153049noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-47662238417361658892010-04-07T23:37:21.158+08:002010-04-07T23:37:21.158+08:00Hi oracle,
I usually try not to withdraw money fr...Hi oracle,<br /><br />I usually try not to withdraw money from dbs/posb atm. Really a lot of people. I use UOB :)la papillionhttps://www.blogger.com/profile/01372278083694506953noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-53874850861750480072010-04-07T22:06:32.806+08:002010-04-07T22:06:32.806+08:00As with what CreateWealth8888 said, time units are...As with what CreateWealth8888 said, time units are lost (easily) by those who Q to use POSB/DBS machines, both to withdraw and nowadays many also Q to deposit cash (eg. taxi drivers).TheOraclehttp://www.bethetop5percent.comnoreply@blogger.comtag:blogger.com,1999:blog-37872616.post-63141862140717898542010-04-07T11:24:21.718+08:002010-04-07T11:24:21.718+08:00Hi anon,
Thanks for teaching me this tip :)
Hmm,...Hi anon,<br /><br />Thanks for teaching me this tip :)<br /><br />Hmm, I agree with you! I think everyone should have another bank besides posb/dbs. The Q for the atm is just horrendous...la papillionhttps://www.blogger.com/profile/01372278083694506953noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-86046604678223362332010-04-07T11:22:16.438+08:002010-04-07T11:22:16.438+08:00Hi Ak kow,
Wow...seems like you have a bad time w...Hi Ak kow,<br /><br />Wow...seems like you have a bad time with citibank services. I learnt this from many bad experiences...always get the name card of an individual person who can serve you. This way, you can check and refer.<br /><br />It's so much easier to get hold of an individual than thru a call centre.<br /><br />(I've got the name card of the banker at stanchart ;) )la papillionhttps://www.blogger.com/profile/01372278083694506953noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-76462764345799105662010-04-07T11:20:32.073+08:002010-04-07T11:20:32.073+08:00Hi crumbs,
Haha, you should have checked it out f...Hi crumbs,<br /><br />Haha, you should have checked it out first :) Anyway, maybe you can try asking them to waive it off :)<br /><br />I still haven't decide on stanchart or citi. Will discuss with my significant other and go have it done by this week, probably.la papillionhttps://www.blogger.com/profile/01372278083694506953noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-69446824863489269042010-04-07T11:18:58.333+08:002010-04-07T11:18:58.333+08:00Hi dsea,
Hmm, overdraft? I get what you mean by t...Hi dsea,<br /><br />Hmm, overdraft? I get what you mean by that. I'm not too comfortable with that. But how long does it take before the draw down?<br /><br />Thanks for sharing this with me...never thought of using that :)<br /><br />Hi lemi,<br /><br />Haha, you do overdraft too? I intend to keep my separate account and have a joint account with my wife. It's not a secret individual account though, it'll be kept transparent between us.<br /><br />Thanks for sharing :)la papillionhttps://www.blogger.com/profile/01372278083694506953noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-49862778452739655602010-04-07T04:20:13.879+08:002010-04-07T04:20:13.879+08:00Aiyoh, I have never paid for a single cheque and c...Aiyoh, I have never paid for a single cheque and checking account in my life.<br /><br />The most recent method i used this few years, just use the OCBC Easicredit, every year the annual fee come, just tell them to waive it, no need to beat around the bush, don't even need to theatened to cancel the account.<br /><br />Transfer $ to the Easicredit account after you issue the cheques so that you will not be drawing down any credits. Just like wat "Lemizeraq" mentioned.<br /><br />Anyway, all banks are the same, they want to lend you money when you are rich and have reservation when you need money the most.<br /><br />But whatever it is, my personal preference is NO DBS/POSB account, I always laugh at people queuing to withdraw money at DBS/POSB ATM.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-37872616.post-15575567895912307422010-04-07T01:52:07.267+08:002010-04-07T01:52:07.267+08:00I am totally pissed off with Citibank. Opened a tr...I am totally pissed off with Citibank. Opened a trading acct with them together with a Step Up acct with checking facility. That was mid of last year.<br /><br />After a month or two, I did not hear from them. Went down the same branch to check, was told my application form was missing or something like that. Waited again.<br /><br />Till today, I have not received my online trading acct password (although the acct has been linked to CDP) and I have no idea if my Step Up acct is active or not. I also have not received my cheque book. <br /><br />Recently, the credit card call centre seems to be undermanned. I had to wait more than 20 minutes and gave up waiting.Ah Kownoreply@blogger.comtag:blogger.com,1999:blog-37872616.post-90759933338879542522010-04-06T21:22:00.249+08:002010-04-06T21:22:00.249+08:00thanks for your post - yes totally agree with you!...thanks for your post - yes totally agree with you!!! I cancelled by POSB chequeing account as i realised i was being charged $2 / mth for the current account facility....the bank doesnt even pay me $24/year on interest!!. I opened a citibank Step up account as it provides free cheques and somewhat more interest.Trillionhttps://www.blogger.com/profile/04617508701808058733noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-52731783719660510242010-04-06T19:17:17.145+08:002010-04-06T19:17:17.145+08:00Hi LP,
Yeah, banks can be a pain in the a**. But ...Hi LP,<br /><br />Yeah, banks can be a pain in the a**. But like what dsea said, you can open an overdraft or what they call credit line account. But before writing the cheque, transfer from your savings first before it is drawn down.<br /><br />When the annual fee comes, say you want to cancel. If you have some relationship with the bank. Like use them as CPF account and that is active or others, they are likely to waive it off.<br /><br />But not sure if they have for joint account for credit line account though. <br /><br />My wife and me have a joint savings account where we use to giro common expenses, and we transfer money there for these while keeping our own individual accounts. I use the credit line to write cheques where needed.<br /><br />LemizeraqLemizeraqhttps://www.blogger.com/profile/14066758470866342603noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-89050284674803404682010-04-06T17:52:58.325+08:002010-04-06T17:52:58.325+08:00er.....one other way. use the overdraft facility, ...er.....one other way. use the overdraft facility, but trsf funds into it before you write the cheque.... :Pdseahttps://www.blogger.com/profile/15659015361274204794noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-47245240644128657752010-04-06T10:36:33.049+08:002010-04-06T10:36:33.049+08:00Hi bro8888,
To answer your question ...
First, I...Hi bro8888,<br /><br />To answer your question ...<br /><br />First, I spent 10 mins in the ocbc branch at suntec. I happened to pass by, and just took a look.<br /><br />Second, I spend 1h 20 min reading on the various accounts by the banks. So, the total time spend is 1.5 hrs.<br /><br />Thirdly, staring at numbers blinking in the watchlist isn't as time saving as spending 1.5 hrs researching on banks.la papillionhttps://www.blogger.com/profile/01372278083694506953noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-80622361833836584122010-04-06T09:12:34.874+08:002010-04-06T09:12:34.874+08:00Do you really know the value of your time units wh...Do you really know the value of your time units while doing bargain hunting?Createwealth8888https://www.blogger.com/profile/08563834016250153049noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-89882311377623778862010-04-05T23:37:29.866+08:002010-04-05T23:37:29.866+08:00Hi oracle,
I've a feeling I won't want a ...Hi oracle,<br /><br />I've a feeling I won't want a fixed monthly fee too. It's small, but it adds up in the long run. Knowing how troublesome it is to change a new account, I rather spend more time finding a hassle free one now :)<br /><br />For me, I'm not going to use that as a savings account, hence the interest is not that impt to me. Good to have, but not essential. <br /><br />My emergency fund is actually placed in the Money market fund under phillips. It can be withdrawn within 2 days (usually 1 day is sufficient), so that should be good for me :)<br /><br />Thanks for sharing!la papillionhttps://www.blogger.com/profile/01372278083694506953noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-75573841487275208122010-04-05T23:19:50.760+08:002010-04-05T23:19:50.760+08:00Cancelled by POSB cheque book several years back. ...Cancelled by POSB cheque book several years back. Turned off with the $2/mth fee.<br /><br />I'm on Citibank Step-up Interest for sometime now. Reach 12 step-ups. So it's at 1% interest now.<br /><br />I understand they are revising down to 0.5% but it's still way way better than other local banks' saving accounts. It's fully liquid, so it performs as my 6 mth 'emergency fund' interest bearing account. Perfect for me.TheOraclehttp://www.bethetop5percent.comnoreply@blogger.comtag:blogger.com,1999:blog-37872616.post-34085906629491641712010-04-05T23:19:48.430+08:002010-04-05T23:19:48.430+08:00Hi bro8888,
Nope, I don't need to visit bank ...Hi bro8888,<br /><br />Nope, I don't need to visit bank branches. I'm thinking what if. It's an added bonus, not essential at all, really.<br /><br />Hi AK,<br /><br />Seems like all your bank got eaten up :) Thanks for sharing your prehistoric past with me, haha<br /><br />Hi Derek,<br /><br />Hmm, you gave me some interesting idea...cos next time, I do intend to use the account for paying household bills. I'll think about it seriously, thanks!<br /><br />Hi Royston,<br /><br />UOB...hmm...UOB is simple, fuss-free :) Thanks for sharing with me :)<br /><br />Hi HH,<br /><br />Ya, I think you told me that before :) Hmm, my choice now is between Citi and Stanchart :)la papillionhttps://www.blogger.com/profile/01372278083694506953noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-58553703461056607042010-04-05T22:31:20.031+08:002010-04-05T22:31:20.031+08:00Hi LP,
I am with Citi, its foc (a/c & cheque ...Hi LP,<br /><br />I am with Citi, its foc (a/c & cheque bk & credit cards) because I took home loan with them, presently, they gave me 2/3 of the loan interest on deposit in the account. <br /><br />I also held their card since I first got my first credit card.<br /><br />Cheers,<br />hhAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-37872616.post-32689395495494430422010-04-05T22:09:37.844+08:002010-04-05T22:09:37.844+08:00I use a UOB current account for checking...so far ...I use a UOB current account for checking...so far no issues...works as it should ;)Roystonhttps://www.blogger.com/profile/17883963186215315521noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-65471908933022991752010-04-05T18:30:46.759+08:002010-04-05T18:30:46.759+08:00Hi LP,
I have been using Xtrasaver for a while no...Hi LP,<br /><br />I have been using Xtrasaver for a while now. I was looking to create another account just to pay all my bills and this account fits perfectly - no min. balance, no fees and a free 1st cheaque book.<br /><br />If you can afford to have a buffer of $6K and pay a large amount of bills, the cash back feature works very well. I can't remember my friend's explanation but he pays several thousand monthly and he get backs at least $50 to a few hundred dollars.<br /><br />Cheers!Derekhttp://thefinance.sgnoreply@blogger.com