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    Hi Scott, appreciate your feedback of what you find both good and limiting when using Xero. 

    When you mention the need to create manual journals to bank or cash accounts are there some common situations you find yourself needing this? 

    For the payroll transaction I wonder if bank rules could help identify and create the transaction in Xero for you, rather than having to enter this as a bill? 

    Bank rules and the use of spend and receive money through reconciliation may also be able to help for other scenarios too? 

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    Jonathan Fox commented  · 

    I AGREE! What kind of **** is this, I hate this function. There should be a way for accountants to turn on the ability to make journal entries to a bank or cash account easily.