Using the accountant version, I rely on the menu.  After an update, the Icon Bar showed up and I couldn't get rid of it.  I'd clicked on Hide Icon Bar, but it didn't get of it and Customize Icon Bar was grayed out.

After reading this post, I clicked on View menu and checked Top Icon Bar.  That enabled View/Customize Icon Bar.  After opening that, I unchecked Show Search Box in Icon Bar and clicked OK.  I then checked View/Hide Icon Bar.

The Icon Bar disappeared.  Hope this helps other baffled users.