I don't have the accountant version and need to reclassify accounts. How do I do that with just the user version

Thanks for visiting the Community today, phidelaware.

In QBO, you can recategorize accounts by batch if these are downloaded transactions and expenses. In regard to other transactions, manually open each one and update the account.

For downloaded bank data:

1. Go to Banking and choose the Banking option.
2. Select your bank account and click the Categorized tab.
3. Then, click the Undo button.
4. Go to the For Review tab and tick the boxes for the transactions that should have the same category.
5. Hit the Update button and enter the correct information in the Update Selected window.
6. Click Apply or Apply and accept.

For expenses:

1. Tap the Expenses menu on the left panel select the Expenses option.
2. Tick the boxes for the entries that fall to the same category type.
3. Click Batch Actions and choose Categorize Selected.
4. In the Categorize Selected window, press the drop-down arrow and pick the correct account.
5. Click Apply.

I've included some articles that will guide you on how to update the account for the following information.

• Change the account for a product/service item 
• Categorize and match online bank transactions in QuickBooks Online 

If there’s anything else I can help you with, post a comment below. I’ll get back and assist further. Take care and have a great day.

@phidelaware 

You may open a QBOA account for yourself as a workaround. Contact us in private should you need help to create one.