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I'd like to make sure we're on the same page, sarnoldcft.
If you're using the QuickBooks Self-Employed version, then there are only two access available, and that will be yours and your accountant.
For QuickBooks Online, you should be logged on as the Master Administrator or added as a Company Admin to access and make changes in the account settings.
Here's an article to view the types of users in QuickBooks Online: User types in QuickBooks Online.
Please let me know if you have any additional questions about the user access. I'll be around to help you some more.