— contact .. Hotline is “24hours” but become very slow after 6pm.

One branch only. (https://www1.citibank.com.sg/personal-banking/other-services/bank-branches -> west ) 9.30 – 3.30 M-F, Sat 9.30 – 12

— to move USD locally,
cheapest solution is personl cheque: USD 3.00/cheque. To receive a new cheque book, request online and pay $15. These are truly negligible costs in this era.

Cashier’sOrder costs min USD20

— Citi advantages over other banks:
* quicker to see balances in webank, without 2FA
* free to open multiple SGD accounts without FBF once we hit 15k TRB .. See FallBelow fees; bonus int
* FAST transfer can have flexible comments
* USD TD penalty-free
— to reveal account numbers,
Option: see statement.
Option: accounts > right side > quick tasks > ShowAccountNumber … “Your account/card number(s) will appear in full for this login session only”
— For ccard, see https://tanbinvest.dreamhosters.com/wp-admin/post.php?post=933&action=edit

— CitiMobileToken ^ EnhancedSecurtityCapability

ESC or CMT is required for adding payee.

ESC is a newer (less mature) replacement for CMT. ECS registration would disable the CMT.

After registration of ESC or CMT, there is a 12H cooling  period.

You can deregister ESC on browser. You need password only, not OTP. The effect, consequences,,, are unclear.

Push notification is (in theory) part of the ESC.

ESC uses QR code …

==== Unfixed deposit .. early break seldom has penalty. Multiple officers said early break penalty will never eat into principal. (If penalty amount exceeds accrued interest, then excess penalty is waived.)

Maturity-day payout: after 3pm, usually before 5, if no rollover. Rollover tends to complicate things at Citi. To take out a USD TD on maturity date before rollover, you may have to call the hotline — webank offers no such option. Calling hotline is stressful, time-consuming and not worth the additional profit. To avoid calling the hotline,
* you can use rollover, but be ready to change the maturity instruction well before rollover date.
* When a non-rollover deposit reaches maturity, you might notice it only a few days later. That’s acceptable.

To see latest TDIR rates, use ViewInterestRate tab, not BookDeposit tab.

— min quantum .. is a headache. At initial placement, system checks min quantum. How about at renewal? I was told system would not check and would never reject renewal.

If that’s the case, then here are some tips

• when USD is strong, I should try to create brand new small-quantum deposits.
• If I manage to create a small-quantum deposit, then set it to auto-renew principal only, and credit interest into account.

==== MB.khm TD … A base plan:

• fewer but bigger quantums ..  multiples of $1000.. no xxx500.00 please… There will always be “idle” balance in savings account, from GRR and payout from TD. Let’s accept it.
• TD quantum to show IR in the cents

— auto-renew.. I think both options are fine.

If unable to change maturity instruction, then wait after auto-renew to “uplift” the TD. No big loss of interest. It’s safer to wait after maturity date — no 100% interest loss by accident. The one-day delay is a cost of safety, and a price I pay willingly when I choose the convenience of auto-renew.

If choosing auto-renew, then interest payout .. go back to savings