I applied for RHB 4.1% FD online under Joint Account (with wife) last saturday. It requires 1 working day to be approved. It was approved this afternoon.
I want to apply another FD Joint (with wife) online, but it don't allow bcos the 'Joint applicant (ID) already has this FD account'. I then called the hotline for clarification. Apparently for online, can only apply once with the Joint Applicant, if want more, go down to the branch, really dumb. Anyway, the CSO has raised a request to allow me to apply for multiple FDs with the same Joint applicant online...have to wait if this will be approved or not.
Edit : Update. The RHB CSO is very responsive. Called me quickly to answer my questions.
Apparently you can apply fr multiple placements under the same Joint Account online anytime, just that i select the wrong button. i blur.