I have a small business and also personal accounts. How do I mark accounts as personal and have appropriate expense categories vs just the ones for business expenses?

Hello there, @userncoloagresearch.

In QuickBooks Online (QBO), we can use the Tags feature. You can create tags while you're working on a form, like an invoice or expense.

However, marking accounts as personal and business isn't possible in QuickBooks. You can put the surname of the account to know that it's for business and personal.

You might want to visit this write-up: Mixing business and personal funds. This will give you scenarios and links for the step-by-step process of handling personal funds in QuickBooks Online.

Let me know if you have any other QuickBooks concerns. I'll be sure to get back to you and help you whenever I can. Keep safe and have a good one. 

in terms of reimbursement to company from self or vice versa, what should one do where there is no cash available, and just credit?

What should one do in a situation where there is no available cash to reimburse the company from self, or vice versa? Due to many issues only credit is available right now. 

Asides from that, is there another solution/program (QB or not) to handling personal finances separately to reduce confusion and probably make my CPAs life easier?

Thank you for getting back for clarification, userncoloag.

Let me add further details about recording the reimbursement even as the absence of cash in QuickBooks Online (QBO).

There are two options we can do to reimburse your cash account or vice versa. First, we can create a transfer from one account to another and record the transaction. Another way around, this we can enter the reimbursement via check or expense. To start, let’s create a journal entry:

1. Go to the + New icon.
2. Select Journal entry.
3. Choose the expense account for the purchase on the first line.
4. In the Debits column, enter the purchase amount.
5. Choose Partner's equity or Owner's equity on the second line.
6. In the Credits column, enter the exact purchase amount.
7. Select Save and close.

Once done, proceed with recording the refund; either you enter the reimbursements as check or expense. You can do that by referring to the steps under Step 2: Decide how you want to reimburse the money in this article: Pay for business expenses with personal funds.

Furthermore, you can directly refer to your accountant when categorizing these types of transactions. This way, we can ensure that the transactions are added to the correct account. Once done, here's a handy article for your reference when reconciling an account in QuickBooks.

Tap me if you have more questions about entering reimbursements. I'll be around the corner to lend a hand for help. Have a good one!