No T&Cs change so far, just that the CO debit cards no longer earn anything.

I am keeping both my accounts because my Chase Freedom is tied to the personal checking account thus offers a 10% bonus earning on each purchase as well as 10 pt bonus on each charge regardless the amount. So a $0.20 charge at Walgreen gives me 10 Ultimate award points... The business account statement comes in handy when proof of business is required for applying a business CC...

The only burden to me is to do the 5 non-pin debit card transaction each month. It is not a biggie. Yesterday morning I did all 5 on one go at Walgreen, took 3 minutes to buy 5 jelly boxes in 5 separate transactions at 0.20 each to take care the requirement for May.