3.5 ppa interest is no longer relevant with the “killer”. So I will not park any amount here, but will keep the account open just to service the FLI2

— auth
mobank::fingerprint
webank::passwd, then SMS or mobank. Can’t use webank without your phone.
high-risk transactions need PIN (similar to ATM)

— FBADB
No FBF, but if daily balance is below 1k, then that day’s int accrual is $0.

Any day’s accrued interest is immutable unless hitting the “StepUp” killer.
— 6333 1111 hotline is fast 🙂 9 – 7pm Mon-Sun only
Message Centre > compose .. addressed within 3 days
— nightly snapshot timing .. midnight
— FAST: $1 minimum
Needs mobank PIN

scheduled outgoing FAST to take place some time before 4 pm, even on non-weekdays.

— risk of fund loss .. See grave dangers
Some cooling period after adding a payee. Given the difficulties (including server overload), I will keep EGA, BOC as payees.