Clone_
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I think the branch stuff is trying to "take precautions".
Correct me if I'm wrong, I believe theres a early account closure fee $50 (closed in less than 6 mths). Thus they need to inform customer first beforehand so if TnC change you cannot go back and cancel the account. This means that your 15k is trapped inside for 6 months with lesser interest
https://www.citibank.com.sg/gcb/landing_page/deposits/pdf/MaxiGainTnC.pdf
12. The Bank is entitled, at any time and from time to time, in its reasonable discretion with reasonable notice, to amend, vary or modify any terms and conditions pertaining to the MaxiGain account with effect from such date as the Bank may determine.