Difference between desktop and cloud edition

You probably had an outdated server edition. The Cash Accounts and Bank Accounts tabs have been combined. This happened back in June as was announced as below:

To enter a sales invoice, you must select a Customer in the dropdown box on the first screen before you are able to enter line items and allocate them to accounts.

The server and cloud editions are identical as long as the server edition is up to date. Cloud edition is always up to date. Manager advances very rapidly, sometimes with several updates per day.