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Account management
You're spot on. QBO is the same as Desktop regarding journal entries. Better in some cases believe it or not.
"I need to be able to save the journal entry as unbalanced."
As FFA mentioned, that's not possible. Double-entry accounting requires a debit and credit entry. Any account in your GL that has an error also has another account with the same error so both need to be fixed with a balanced journal entry. Non-Accountant versions of QBO don't differentiate between a journal entry and an adjusting journal entry.