There is no way to answer these questions without doing a side by side comparison of the two disclosures.
Advance notice is only required when you are changing a term that TISA requires you to disclose. Assume TISA requires 11 disclosures for Account A. If Account B has the same 11 features, you can make your change without advance notice.
If I'm changing account types in order to comply with Regulation D there isn't going to be any foreplay; I'll tell them what has been done as a result of their failure to adhere to transaction limitations that were disclosed to them, not what I'm a fixin' to do.
_________________________
In this world you must be oh so smart or oh so pleasant. Well, for years I was smart. I recommend pleasant.