You can select a default bank account for Sales and Purchases, why doesn't this account default for Spend/Receive Money or have the ability to choose a default account, it is not necessarily the first Bank Account in the list that you want to be your default. We recently changed our bank accounts, and have not closed the previous one, now I have to select the bank account every time I enter a transaction.
"The ability to select a Default Bank Account for Spend/Receive Money"
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