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Buy nowHello there, @BeerOutside.
I can share some information about merging accounts in QuickBooks Online (QBO).
QuickBooks allows you to merge two accounts. However, there are some accounts that can't be merged, like bank accounts connected to online banking. Thus, it's the possible reason why you're getting the error.
You can disconnect the other account from online banking to merge the accounts. Here's how:
To learn more about merging accounts, you can read through this article for more guidance: Merge duplicate accounts, customers, and vendors in QuickBooks Online.
You may also want to learn how online banking works in QBO. You can check out this article for more details: How secure is Online Banking through QuickBooks?
Come back to this post if you need clarification about merging accounts in QBO. I'll be standing by for your response.