Hi @WalkerTim
I’m sorry you feel that way. Although it’s worth noting that some of the holding accounts you have setup are optional (cheques for example), but appreciate it that setups vary from business to business.
You could in theory use an existing bank account. My colleague gives an example of this here: Adding a credit to a supplier from previous accounts
Another post that may be of interest, is this one here: Enter opening Credit Notes without depositing to the bank
I hope this helps.