It's great that you want to ensure the safety of your financial data while managing your QuickBooks accounts, @rbkoffice. In this guide, I'll explain the implications of making an account inactive and disabling a bank account.

Making an Account Inactive:

• When you choose to make an account inactive in QuickBooks, it means that the account will no longer appear as an option in the account and category fields on your transactions. This action does not remove or alter any past transactions; it simply prevents the account from being used in future transactions.
• The bank information associated with transactions that have already been expensed will not be affected. All historical data, including transactions from 2020 to the end of 2022, will remain intact and accessible in your QuickBooks account.
• Before making a balance sheet account inactive, ensure that the balance is corrected to zero. If the balance is not zero, QuickBooks Online will make an automatic adjustment entry to zero out the non-zero balance of the inactive account. The automatic entry posts to the Opening Balance Equity account, which is equivalent to posting to previous years. This entry could potentially cause incorrect tax information to be filed.

Disabling Bank Accounts:

• Disabling a bank account is a different action compared to making an account inactive. When you disable a bank account, you are typically disconnecting it from online banking, which stops QuickBooks from downloading new transactions from that account. 
• This action doesn't delete or alter any previously recorded transactions in QuickBooks. Your historical transactions, including those from 2020 to the end of 2022, will still be accessible, and their data will remain unchanged. You can continue to view and manage them as needed.

Furthermore, you can always make an inactive account active again later if the need arises, ensuring that you retain access to your historical data.

If you have any more questions or need further assistance, please feel free to reach out. We're here to help you navigate QuickBooks and ensure your financial data remains intact and organized.