Hello Paul,
Here is the SQL
SELECT tblOne.name, tblOne.address, tblOne.ss, tblTwo.account
FROM tblOne LEFT JOIN tblTwo ON tblOne.ss = tblTwo.ss
GROUP BY tblOne.name, tblOne.address, tblOne.ss, tblTwo.account
HAVING (((tblTwo.account)="bank account")) OR (((tblTwo.account)<>"bank account"))...