Hi Teri. 

I'm happy to provide you the differences between Parent and sub accounts. A parent account is a top-level account used for accounting purposes. It’s called a “parent account” because it contains one or more other, lower-level accounts. The parent account is the primary account under which lower-level accounts, also known as sub accounts, are placed. A sub account, on the other hand, is a lower-level account, that’s placed under an existing parent account. All sub accounts must be attached to a parent account. For example, you may want to place a sub account for your business’s electric expenses under a parent account for utilities. In addition to electric expenses, other sub accounts you may want to place under the utilities parent account include gas and internet (if applicable). If you want to change the type of an existing account, follow these steps:

Change account types:

To change the account type of the accounts, start with the sub-accounts, and then, when all of them have been changed, change the parent account:

1. Go to Settings ⚙.
2. Select Chart of Accounts.
3. Locate the first sub-account to change.
4. From the Action column drop-down menu, select Edit.
5. Clear the Is subaccount checkbox.
6. Select the new Account Type from the drop-down menu.
7. Select the appropriate Detail Type from the drop-down list.
8. Select Save and Close. You are prompted that changing the Account Type may affect your accounting and reporting.
9. Select Yes in the prompt to change the account.

Repeat these steps for the remaining sub-accounts, and then change the account type of the parent account.

Return accounts to sub-account status:

Once all of the accounts reflect the same account type, you can edit the sub-accounts to identify them as sub-accounts again, and link them back to the parent account.

To return accounts to sub-account status:

1. Go to Settings ⚙.
2. Select Chart of Accounts.
3. Locate an account to identify as a sub-account again.
4. From the Action column drop-down menu, select Edit.
5. Clear the Is subaccount checkbox.
6. Select the Parent account from the drop-down list.
7. Select Save.

Repeat these steps for all of the sub-accounts.

if you have any other questions, feel free to post here anytime. Thank you and have a nice afternoon. 

Thanks Nick, but not me asking the question. might want to send to user who is having issues.  Thanks!