Hi there, ciria. I want to help you achieve your goals inside QuickBooks Online (QBO). With this, let me ask for some information about this.
Providing the right assistance is our duty in the Community forum, ciria. To understand your concern, I'd like to know more about the details of the bottom of this issue and provide the right solution. When you said that create an account, do you mean about wanting to create it however you don't have a business checking? Any additional information about this would be a great help.
On the other hand, you can also see these articles related to accounts that you may find beneficial to your concern.