Setting up assets and liabilities in Reckon one

I have moved my ‘transfer’  accounts  from Quicken into Reckon One. They have all automatically saved as ‘bank’, which means they have automatically become ‘assets’ although some like mortgages and credit cards should really be classified as ‘liabilities’ I think. I can’t see where to change them to liabilities or if this is even possible or desirable, while still maintaining the possibility of downloading bank transactions?
On Quicken I used ‘700’ prefix ledger accounts for all capital improvements (e.g. vineyard posts and rootstock) and purchase of plant and equipment and land. It seems on Reckon one I should treat them as fixed assets? Should I get rid of the old ledger accounts and create accounts for them in ‘assets’? Would I then credit transactions as a ‘transfer’ rather than a ‘payment’?