When setup new Chart of Accounts it take field Bank Account from Account Chart Template and by default create two accounts:

1. Cash (generate code from Bank Account + 01)
2. Bank (generate code from Bank Account + 02)

Then OpenERP use it accounts for payments.

1) Is it possible redefine payments to other accounts? If in counry use other code for account, for example, Cash - 50 and Bank - 51.

2) Is it possible prohibit auto creation Cash and Bank accounts?