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Deposit Accounts

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Current Account-i (CA-i) offers a convenient facility for managing your everyday financial transactions digitally, and stay theft-protected.

CA-i is a highly liquid account; it allows many withdrawals and unlimited deposits.

CA-i is accessible through cheques, ATM machines, debit cards, online banking, and of course over-the-counter.

Some types of CA-i offer temporary excess to avoid bounced cheques when you overdraw your account.

Cashline-i, a line of credit financing facility, is accessible through the PrimeRich CA-i.

Profit rate of CA-i is relatively lower than other deposit accounts.

For more information about CA-i, please check MBSB Bank’s Current Account-i.

Foreign Currency Current Account-i (FCA-i) enables you to perform transactions with foreign currencies, and finance overseas education. It is also helpful for corporations requiring foreign currencies for international trade.

FCA-i does not offer chequebook, ATM card, or online banking.

FCA-i is not connected to temporary excess or Cashline-i.

FCA-i does not offer any profit.

For more information about FCA-i, please check MBSB Bank’s Foreign Currency Current Account-i.

Savings Account-i is suitable for short-term saving, such as buying a car or going for vacation, as well as for emergency coverage.

Savings Account-i is a liquid account; it allows a reasonable number of withdrawals and unlimited deposits.

Savings Account-i is accessible through passbook, ATM machines, debit cards, online banking, and of course over-the-counter.

Profit rate of Savings Account is usually higher than that of Current Account-i.

For more information about Savings Account-i, please check MBSB Bank’s Savings Account-i.

Term Deposit-i provides a risk-free short-term and medium-term investment. Tenure ranges from one to sixty month.

Upon opening a Term Deposit-i, Customer agrees not to withdraw his/her funds during the tenure. Partial withdrawal is not allowed either.

No profit is payable for premature withdrawal of funds prior to maturity date.

Profit rate of Term Deposit-i is the highest of deposit accounts. As you may have guessed, this comes in return of locking up your money for the tenure period.

Term Deposit-i is ideal for retirement financial planning. Customer may spread out the funds evenly over several certificates of Term Deposit-i, maturing at successive dates (Laddering Strategy). For example, the first certificate matures after one year, the second after two years, etc. With that, Customer gets a lump sum for covering his/her expenses every year.

For more information about Term Deposit-i, please check MBSB Bank’s Term Deposit-i.

How do Deposit Accounts work?

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Deposit Accounts at a Glance

	Current Account-i	Foreign Currency Current Account-i	Savings Account-i	Term Deposit-i
Purpose	• Digital transactions • Financial management	• Foreign reserve • International trade	• Short-term saving • Emergency coverage	• Investment
Liquidity	Very high	High	High	Restricted
Accessability	• Cheques • ATM card • Debit card • online banking • over-the-counter	Limited	• Passbook • ATM card • Debit card • online banking • over-the-counter	Over-the-counter
Online Banking	Yes	No	Yes	View only
Profit Rate	Low	None	Moderate	High
Cashline-i Facility	PrimeRich only	No	No	No
Temporary Excess	Some types offer	No	No	No
PIDM Coverage (up to RM250,000 Per Depositer)	Yes	Yes, Equivalent amount	Yes	Yes