GnuCash

Notes

This screen is a little bit confusing, because it shows you lists of accounts but there doesn't seem to be any way to edit them. What's happening is that it's offering to set up a bunch of accounts that you might be likely to need; you can (as the explanatory text says) edit them later, or create your own from scratch.

It's still not clear if you can tag/categorize transactions across different accounts.