It's actually worse.... If you don't have an accountant login but you add one thinking you can utilize the undo reconciliation feature, think about this. The accountant user will not already be linked to the "client" bank account. You can add it and set up automatic download through the bank but your bank will likely have a limit to how many transactions can be downloaded or a time limitation. 

Our bank only allowed 18 months. I needed almost 3 years of transactions. So, the "accountant user" workaround will only help someone who doesn't need to go back very far to undo reconciliations.