Hey there, @thebake.

Allow me to provide some clarifications about deleting an account in QuickBooks Online.

At this time, deleting a bank account totally in QuickBooks Online isn't an option for us. QuickBooks ensures that you can still restore the bank information in case you need it for future transactions. This is why it will only give you the option to inactivate it.

If this a duplicate account, you have the option to merge your accounts to create a single representation of your bank in the Chart of Accounts.

Additionally, our development team is constantly working to improve the product and appreciates the help of users in bringing things like this to their attention. I'd encourage you visiting our QuickBooks Online Blog to be updated with our latest news and updates including product enhancements. 

If you have any other concerns with QuickBooks, feel free to let me know. I'd be happy to help. Have a nice day.