The issue

Types of account	Issues
Al-Wadiah Reference:  https://www.utusan.com.my/berita/mahkamah /mohamad-salleh-bebas-tuduhan-pecah-amanah-1.162140	Title: Mohamad Salleh free from criminal breach of trust. ·         On 24th November 2015, Datuk Seri Dr.Mohamad Salleh discharged by the Session court with two counts of breach of trust involving RM49.7million and two counts of using company funds, 6 years ago. ·         Mohamad Salleh, who is also the Director of the NFC, is charged with committing criminal breach of trust by misusing money of RM9758140 through 4 cheques for purchasing two units of condominium. ·         He allegedly committed the offenses between 1 and 4 December 2009 at CIMB Islamic Bank. ·         He also transferred an amount of RM40 million into an account of a company owned by him and one of his sons by cheques. ·         Both charges under Section 409 of the Penal code which provides for jail up to 20 years and a fine. ·         He also discharged from two charges related to use of company fund \s without approval of the annual general meeting of the company to make payment of the two units of condominium. ·         Both charges brings to jail term up to 5 years or a fine of up to RM30000.
Al-Mudharabah Reference:  https://www.utusan.com.my/berita/mahkamah /video-pengasas-islamic-hotel-isteri-didakwa-menipu-1.430378	Title: Islamic Founder Hotel, wife charged for cheating ·         On 10th January 2017, Nor Saidey Sheikh Sheikh Abdul Rahman and wife face two counts of cheating a businessman of RM597151 through the investment scheme. ·         Sheikh saidey allegedly deceiving Raja Farhana Raja Ali with offers Islamic investment program of investment in the lease hotel rooms in Mecca and Medina until she handed over a cheques worth RM314535 to him. ·         He then was charged Section 420 of the Penal Code which carries minimum sentence of 1 year and maximum 10 years and a fine. ·         For his wife, she also get the same charges as her husband.

The benefits of Al-Wadiah & Al-Mudharabah

	Al-Wadiah	Al-Mudharabah
Bank Islam	Free passbook (upon request) TAP mobile banking-i  Hibah given on monthly basis.	Profit sharing ratio - 98:2 (bank-customer) *subject to change from time to time Monthly draw, regional draw & quarterly draw.
Islamic Maybank	Free passbook. Kawanku Phone Banking access. Hibah : Up to RM10000 -0.40% Up to RM25000 -0.50% Up to RM50000 -0.65% Up to RM100000 -1.10% Up to RM200000 -1.50% UP to RM500000 -1.65%  Above RM500000 -1.75%          Daily withdrawal limit:    -At branch -RM25000    -At ATM -RM5000	Free personal accident Takaful coverage + medical expenses: Account balance(RM) Death(RM) Medical expenses(RM) 3000-5000 5000 1000 5001-50000 Based on balance 2000 Above 50000 50000 3000                    2. Profit rate 2.45% paid on monthly basis.                      3. No monthly fee

Termination of Al-Wadiah Yad Dhamanah & Al-Mudharabah Mutlaqa

	Al-Wadiah yad Dhamanah	Al-Mudharabah Mutlaqa
Bank Islam	If no transaction within one year, bank shall consider customer account as dormant. For an account with balance less than RM 5 the balance in the account will be deducted as service charge and the account shall be close.  The death or insanity of customer. Bankruptcy	Can be terminate at any time by either customer or bank by giving a notice.  If not particular term, it will terminate at the end of the term. The assets is not in cash form, they will be sold and liquidated. So actual profit may be terminated.
Maybank	Termination by either party. Wrong doing/fault or negligent. The death or insanity of customer.	Unilateral termination. On date of maturity if the two parties had earlier agreed to set the time limit. When fund of mudharabah has been exhausted or suffered loss The death of customer Insanity of customer.