I expected the categories to carry over when I first got started. I was disappointed that I would have to start over with setting them up. I ended up not even using the categories in my Money market account. They just sit there hopelessly waiting for the day they get something assigned to them. I just keep that account to keep track of the money it holds.. that money isn’t really allocated monthly in CB (altho it is in my personal budget and there’s another feature request for you when I get a chance to write it up). I think you should consider at least asking the user when they add a new account if they would like to carry over the category settings from one they already have. You could then let them radio button one of their current accounts defaulting to the first one.