Thanks for getting back to us, @westandpinedesign. Let me share further details about managing accounts in your Chart of Accounts in QuickBooks Online (QBO).

The QBO system has its default accounts. They are automatically created based on your company setup. Then, you may add an account under Expenses or Other Expense types when necessary. Just make sure to select the appropriate one or the nearest detail type that describes the account. I'd recommend checking out this article to learn more about this: Manage default and special accounts in your chart of accounts.

Then, I'd recommend pulling up the Account List report. This is to know the complete list of accounts in your chart of accounts and avoid creating duplicate ones in QBO. After that, you can refer to this article whenever you're ready to add an account: Create an account to your chart of accounts in QuickBooks Online.

Also, you're able to organize your Chart of Accounts by creating subaccounts. This way, you can break down your expenses and income into greater detail. To know more about this, you can refer to this article: Create subaccounts in your chart of accounts in QuickBooks Online.

Let me know in the comments below if you have other concerns about managing accounts in QBO or inquiries about monitoring your business expenses. I'm just around to help. Take care always.