I was able to re-create the behaviour you have seen, and agree that the program should allow you to simply enter the bank and offsetting ledger accounts for a Miscellaneous Cash Receipt. We'll try and get this changed the next time we release an update to Receivables. In the interim, all you need to set up is an Account Set for each bank account (Don't forget you can copy account sets to create the ones you need.)

Sorry for the inconvenience.