If we change a Minor's savings account to a regular savings account, do we have to provide the customers with disclosures?

If the disclosable terms are changing, why would you not be required to pre-notify the customer unless those disclosure were made at the time of account opening?

What if it were at their request?

They still need to be provided on the new account.

The customer who comes in and asks for a new account make a request, and you provide disclosures so they are aware of the terms and conditions. The same holds true here, the consumer needs to know the T&C. This applies if they request it, or if you, as an example, converted a MMDA to a NOW or other product. The T&C changed, the consumer must be informed.