Thank you for that information. You are correct.

The ONLY way I found to "Delete" the bank account was to follow these steps:

1) Delete all transactions in the account you want to delete (in my case there was just the opening balance).

2) MAKE SURE YOU DISABLE AUTOMATIC DOWNLOADS from the bank.

3) Follow the procedure to merge accounts (merge your accounts) to the bank account you are keeping.

Be sure you disable automatic downloads in the account you are wanting to delete. If you merge them without disabling this feature first, QB will download the transactions for both the "deleted" (merged) account and the account you merged the deleted one into. If that happens, you will need to cancel your subscription and create a new one. Intuit has NO WAY to fix that.

BTW: You can always contact Intuit, cancel your current subscription, start a new subscription, set up your new database and then copy transactions, etc. from your old subscription into your new one. This could be a real pain if you have a lot of accounts and transactions.

I hope this helps those who have tried to delete a bank account!