Hey Pete, Great in depth information.

 I got to this post after I had successfully set up my new account. Reason for setting up the new account , in my existing company file is that prior years , 5, were such a mess and needed to start from scratch. I'm on a Cash basis so not worried about when items post. I am by no means a bookkeeper , just a carpenter. I went back in to chart of account and disabled all, 2, accounts that were connected to the bank feed account I needed . went back into new account and voila the bank account was accessible .

now prior to downloading any transactions I don't know if 'Bank Rules" that other account used in previous downloads will work with this new account? Should they?

 also I did down load some transactions into another account , when I was trying to work this out, When I picked just a couple to batch insert I ended up with red boxes asking what account. I thought this would be taken care of by bank rules or auto bank rules . will iIneed to insert payee and account on every transaction i need to add to register. this is not the same as QB 2016. all the confusion happened after upgrading? to 2019