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Citibank Maxigain Savings Account

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Old 06-08-2018, 03:18 PM   #3226
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Inactive for a long time will become dormant and there is no button to activate dormant account. Need to go branch to do it.

Why don't just FAST $1 into the account once every quarter, that will keep the account active.

An inactive account will not allow you to withdraw fund and sometimes can't deposit into it as well. Interest crediting by the bank should still proceed (but since it is initiated by the bank, is not counted as activity since activity needs to be user-driven). Not sure about bonus counter but why leave it in doubt.
Every 6 months go in ibanking click "Activate account" can anot?

Sure got the "Activate account" button in ibanking right?

I haven't seen it cos havent 6 mths for me yet...
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Old 07-08-2018, 12:08 PM   #3227
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Anyone know where to see the latest SIBOR rate?
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Old 07-08-2018, 12:40 PM   #3228
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Anyone know where to see the latest SIBOR rate?
https://abs.org.sg/rates-sibor
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Old 07-08-2018, 01:10 PM   #3229
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https://abs.org.sg/rates-sibor
sibor.sg might be more helpful - includes a bit of historical data, rather than just a one-day snapshot
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Old 07-08-2018, 01:14 PM   #3230
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sibor.sg might be more helpful - includes a bit of historical data, rather than just a one-day snapshot
So based on the website, 'sibor.sg', August rate will be 1.50759%?
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Old 07-08-2018, 06:03 PM   #3231
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sibor.sg might be more helpful - includes a bit of historical data, rather than just a one-day snapshot
This site doesn’t seem to have been updated since 27 Jul. There is a corresponding iPhone app as well.
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Old 07-08-2018, 09:17 PM   #3232
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If i accidentally transferred money out of the account by paying my card bill, then I transfer the same amount from another bank to my maxigain account(within mins), Will my lowest amount for the month still be taken as the amount after the transfer out?
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Old 07-08-2018, 09:20 PM   #3233
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If i accidentally transferred money out of the account by paying my card bill, then I transfer the same amount from another bank to my maxigain account(within mins), Will my lowest amount for the month still be taken as the amount after the transfer out?
As long as you do it before 23:59:59 on the same day is fine. The amount at the end of the day is the that is counted..
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Old 07-08-2018, 09:34 PM   #3234
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As long as you do it before 23:59:59 on the same day is fine. The amount at the end of the day is the that is counted..
No. Not quite true.
Some banks can have cut - off time earlier, as early as 10pm.

Last edited by heng_ah; 07-08-2018 at 09:36 PM..
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Old 07-08-2018, 10:31 PM   #3235
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my calculated sibor is 1.495 sia... it dip ar?
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Old 07-08-2018, 11:09 PM   #3236
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Joint account with your spouse. Joint account with your sibling. Joint account with your children.
I donít think you can do that. I tried but the RM told me I canít.
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Old 07-08-2018, 11:20 PM   #3237
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I don’t think you can do that. I tried but the RM told me I can’t.
I had my own account 5 mths back. Last mth open a joint account with my sister.
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Old 08-08-2018, 01:36 AM   #3238
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A question

Let say you already have an existing CMS account, with 50k, already reached counter 12
And you have a spare 50k to invest in
Would you
A) Put in the 50k into that existing account?
B) Open a new CMS account?(Not sure whether it is possible though)

Things to consider
SDIC only insured up to S$50,000 per account

Any advise ?
I just dump all my money >50k into CMS, joint acc with my Mum. I heard 2 persons means 50k x 2 insured if its joint. Not sure if its true.
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Old 08-08-2018, 06:19 AM   #3239
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I donít think you can do that. I tried but the RM told me I canít.
You can do that - many people did.
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Old 08-08-2018, 07:01 AM   #3240
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No. Not quite true.
Some banks can have cut - off time earlier, as early as 10pm.
Does anyone have a list of bank cut off time?
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