I’m sorry I was not clear enough. I read your statement, but wanted to be sure you had done this in the Bank Accounts tab. (Sometimes, users set up ordinary accounts labeled as bank accounts and think they are working with bank accounts as Manager uses that terminology.)
If you read the Guide, https://www.manager.io/guides/7035, you will see that you can also set up a credit card (that is a bank account) so it shows on the balance sheet as a liability account. So you will be able to match the accountant’s structure.
Because a huge proportion of users are relatively inexperienced at accounting, don’t fully understand debits and credits, and would have difficulty determining appropriate accounts to post to in many situations. So Manager’s design philosophy is to determine that from context to the maximum extent possible to minimize mistakes. When Manager is properly configured and used, journal entries are fairly rare. In the case you’ve described, they would be completely unnecessary.