I saw a thread on this issue started in the Categories forum a month ago, but no one responsed, so I'm asking the questions here too.
Several possibilities for the problem: 1) I may have set up a QOL account a year ago but never entered even one bank account, 2)The first account I created today was a savings account, which wouldn't let me pass the accounts set up screen until I created a checking account.
In case someone else encounters this same bug, it turns out cancelling your original account without a wallet and then recreating it with the same ID will put the wallet in.