OCBC has announced a THIRD change in 4 years to its flagship savings account- the OCBC 360 Account. Heartland Boy remembered that when OCBC 360 Account was first introduced to the market, the product was so good it became the talk of the town on Internet forums. As a result, OCBC grabbed plenty of market share. After numerous rounds of changes, the rules have changed and the goalposts have clearly shifted. What is noteworthy is that the current round of changes is so multifarious and mathematical that it takes tremendous effort to understand and analyse them. Beyond account holders deserting the product in droves, the bank runs the intangible risk of OCBC 360 Account becoming the most complex savings account in Singapore.