Self Service Banking

PIN CHANGE

• MBSB Bank Customer can change PIN at CRM and the latest PIN will be updated to Internet Banking application and vice versa.
• Maximum PIN tries are 3 times consecutively. On the consecutive 4th incorrect PIN entered, card status will be automatically blocked “Captured PIN”. The count of PIN verification will be combined between CRM and Internet Banking. For example, 2 wrong PIN attempts at CRM and followed by 1 wrong PIN attempt via Internet Banking if done consecutively will collectively count as 3 times.
• In such circumstances, customers are required to walk to any MBSB Bank branch to request for the PIN reissuance.

• MBSB Bank Visa Debit Card-i:

  • MBSB Bank Customer can check balance inquiry for up to fourteen (14) Saving or Current accounts that linked to MBSB Bank Visa Debit Card-i

• Other Bank’s card:

  • Other Bank’s customer can check balance inquiry for one (1) primary saving account and one (1) primary current account that linked to the other Bank’s card.

CASH WITHDRAWAL

• MBSB Bank Visa Debit Card-i:

  • Cash withdrawal of any amount specified is subject to the daily withdrawal limit set at the card level from active Savings or Current Account only.

  • Default cash withdrawal is RM3,000 and maximum limit is RM5,000.

  • Maximum cash withdrawal allowed per transaction is RM1,500.

  • The Withdrawal limit can be changed at any MBSB Bank CRM machine, Call Center or any nearest MBSB Bank branches.

• Other Bank’s card:

  • Other Bank’s customer can only perform the cash withdrawal transaction from one (1) primary Saving Account and one (1) primary Current Account that linked to Other Bank’s card.

  • Maximum cash withdrawal amount allowed per transaction is RM1,500.

  • Cash withdrawal of any amount specified is subject to the daily withdrawal limit set at the respective bank’s debit card level.

• Regional Link (Cross Border):

  • Regional link customer can only perform the cash withdrawal transaction from one (1) primary Saving Account and one (1) primary Current Account that linked to the card.

  • Maximum cash withdrawal amount allowed per transaction is RM1,500.

  • Cash withdrawal of any amount specified is subject to the daily withdrawal limit set at the respective bank’s debit card level.

  • Participating Regional link/Cross Border card:

    • Indonesia

    • Thailand

    • South Korea

    • Vietnam

• Option of Fast Cash transaction at MBSB Bank Cash Recycling Machines:

  • Cash withdrawal of pre-fixed amount: RM100, RM200, RM300, RM500, RM700, RM1000 and RM1500.

• Own Fund Transfer:

  • MBSB Bank customer can transfer fund within own accounts:

    • Saving→Saving

    • Saving→Current

    • Current→Current

    • Current→Saving

  • There is no minimum or maximum amounts are set for own fund transfer except for non-resident account capped at RM10,000.

• 3rd Party Fund Transfer:

  • MBSB Bank Customer can to transfer fund from own accounts to 3rd party accounts within MBSB Bank:

    • Saving→Saving

    • Saving→Current

    • Current→Current

    • Current→Saving

  • Maximum amount is RM10,000 per day for both resident and non-resident account.

• Instant Transfer:

  • Instant Transfer allows instantaneous (real time) fund transfer from savings or current accounts to other bank’s accounts (i.e. deposit accounts, financing accounts or credit cards).

  • Scenarios on the Instant Transfer activities at MBSB Bank Cash Recycling Machines as per the following:

    Scenario 1	Other Bank’s card → Other Bank’s account (Example: X Bank Card → X Bank account)
    Scenario 2	Other Bank’s card → MBSB Bank account
    Scenario 3	MBSB Bank Visa Debit Card-i → Other Bank’s account
    Scenario 4	Other Bank’s card → Other Bank’s account (Example: X Bank’s card → Y Bank’s account at MBSB Bank CRM)

• Interbank GIRO (IBG):

  • Interbank GIRO (IBG) is a delayed funds transfer whereby the transactions are not reflected in the beneficiary’s accounts instantaneously but accordance to the timelines specified in the IBG Schedule Processing Time as per the following:-

    Payment Initiated by Customers		Funds Received by Beneficiaries		Refund for Unsuccessful Transactions
    Business Days (Monday - Friday)	5:01am - 8:00am	Same Business Day	By 2:00pm	By 8:20pm
    	8:01am - 11:00am		By 5:00pm	By 11:00pm
    	11:01am - 2:00pm		By 8:20pm	By 11:00am (next business day)
    	2:01pm - 5:00pm		By 11:00pm	By 11:00am (next business day)
    	After 5:00pm	Next Business Day	By 11:00am	By 5:00pm (next business day)
    Saturday, Sunday and Federal Territory Public Holidays		Next Business Day	By 11:00am	By 5:00pm (next business day)

    Note: To be cross-referred to PayNet’s Operational Procedures on the ‘IBG Schedule Processing Time’ from time to time.

  • IBG via CRM offers 2nd ID validation that support alphanumeric characters (as per PayNet Operational Procedures for Interbank GIRO (IBG) Version 1.4, Doc. Ref. 500-10/1/0002673).

  • Customers may choose 2nd validation to counter check recipient ID at recipient’s bank by using the Old IC, New IC, Army and Police ID, Passport No and Business Registration Number when initiating the transactions.

• DuitNow:

  • DuitNow facilitates customers to transfer or receive funds instantaneously (real-time) using any registered proxies without specifying deposits account numbers.

  • DuitNow pairs the selected Proxy (DuitNow ID) with either MBSB Bank account numbers or other bank account numbers.

  • The following proxies/DuitNow ID types are available at MBSB Bank Cash Recycling Machines as an option:

    • Mobile Number

    • NRIC

    • Passport Number

    • Army/Police Number

    • Business Registration Number

  • For customer convenience, DuitNow maintenance also available at MBSB Bank Cash Recycling Machines as follows:

    • Register: To register proxy (Mobile numbers, NRIC, passport, army/police or business registration numbers.

    • Deregistration: To delete the registered proxy.

    • Activation/Deactivation the registered proxy.

    • Switch Bank: To switch the proxy registered with other bank to MBSB Bank.

    • Change account no: To change the existing MBSB Bank account no. to other MBSB Bank account no.

• Daily Combined Limit for Interbank Transfer (Instant Transfer, IBG and DuitNow):

  • Resident - RM50,000

  • Non-resident - RM10,000

  • Example:

    Transaction	Amount transferred	Remaining amount for other transactions
    Instant Transfer	RM25,000	RM25,000 (IBG & DuitNow)
    IBG	RM30,000	RM20,000 (Instant Transfer & DuitNow)
    DuitNow	RM50,000	NIL

  • Same examples apply to a non-resident customers based on maximum limit of RM10,000.

• Participating Banks for Instant Transfer, IBG and DuitNow:

  Participating Banks	Instant Transfer	IBG	DuitNow
  Affin Bank Berhad	✓	✓	✓
  Agro Bank	✓	✓	✓
  Al Rajhi Banking & Investment Corporation	✓	✓	✓
  Alliance Bank Berhad	✓	✓	✓
  AmBank (M) Berhad	✓	✓	✓
  Bangkok Bank		✓
  Bank Islam Malaysia Berhad	✓	✓	✓
  Bank Kerjasama Rakyat Malaysia Berhad	✓	✓	✓
  Bank Muamalat (Malaysia) Berhad	✓	✓	✓
  Bank of America (Malaysia) Berhad		✓	✓
  Bank of China (Malaysia) Berhad		✓	✓
  Bank Simpanan Nasional Berhad	✓	✓	✓
  BNP Paribas (Malaysia) Berhad		✓	✓
  China construction bank (malaysia)		✓	✓
  CIMB Bank Berhad	✓	✓	✓
  Citibank Berhad	✓	✓	✓
  Deutsche Bank (Malaysia) Berhad		✓	✓
  Hong Leong Bank Berhad	✓	✓	✓
  HSBC Bank Malaysia Berhad	✓	✓	✓
  Industrial & Commercial Bank of China (ICBC)		✓	✓
  JP Morgan Chase Bank Berhad		✓	✓
  Kuwait Finance House (Malaysia) Berhad	✓	✓	✓
  Maybank Berhad	✓	✓	✓
  MBSB Bank	✓	✓	✓
  Mizuho Bank (Malaysia) Berhad		✓	✓
  MUFG Bank (Malaysia) Berhad		✓	✓
  OCBC Bank (Malaysia) Berhad	✓	✓	✓
  Public Bank Berhad	✓	✓	✓
  RHB Bank Berhad	✓	✓	✓
  Standard Chartered Bank (Malaysia) Berhad	✓	✓	✓
  Sumitomo Mitsui Banking Corporation (M) Berhad		✓	✓
  United Overseas Bank (Malaysia) Berhad	✓	✓	✓

• MBSB Bank customer can pay own or 3rd party financings account for Mortgage-i, Personal Financing-i and Hire Purchase-i (good account status).
• 3rd party customer can also pay on behalf of the customer’s financing account either via ATM or CDM function at CRM.

• Financing inquiry can be performed by the owner of the financing account if the financing account linked to Debit Card.
• 3rd party customer will not be able to enquire other financing customer’s account.

• Allows customers to pay bills conveniently and securely via CRM with no fee and charges.
• Default JomPay limit is RM1,000 while the maximum limit is RM10,000

• Facility to allow cash deposit via CDM function either by using MBSB Bank Visa Debit Card-I or cardless.
• CRM can accept up to 200 pieces of currency notes for each cash deposit transaction, regardless of whether the deposit is to CASA or towards financing payment.

• Withdrawal Limit:

  • Multiple amount of RM1,000 up to RM5,000.

• Intrabank Fund Transfer Limit:

  • Multiple amount of RM2,000 up to RM10,000.

• InterBank Transfer Limit:

  • Multiple amount of RM10,000 up to RM50,000.

• POS Limit / Online Purchase Limit:

  • Up to RM10,000.

• MBSB Bank customer can activate or deactivate MBSB Bank Debit Card-i for overseas usage.
• Activation can be choose permanently or temporarily by specifying the effective date and expiry date
• Once activated, cardholders may use the ATM Regional Link services at participating foreign bank ATMs (Paynet/Rintis/Artajasa/KFTC/ITMX/VISA Plus).

• MBSB Bank customer can request new cheque book for Current account.
• The cheque book will be ready after 3 working days.

• MBSB Bank customer can apply current account statement via CRM.
• The statement will be posted to customer’s address within 10 working days.

• MBSB Bank customer has the option to print the mini statement either from Savings or Current Account.
• Only last 10 transactions will be printed on the receipt.

• MBSB Bank customer can apply for Term Deposits from 1, 3, 6, 9, 12, 15, 18, 24, 36, 48 and 60 months of tenures.
• Minimum placement is RM500 and will be debited immediately from current or saving account.