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@kvvaradha, pertaining to config_db.php and the DB user, everything looks good except the line: collation' => utf8_xx.  I'm not sure what that really tells MySQL to use.   When I remember that when I setup that DB, it did ask what UTF setting to use.

Not knowing what "collation' => 'utf8_xx" means, I  don't know how to compare this to our setting. 

Thank you for pointing me to the config_db.php file.  I had skipped right over it after looking in the config.php file.

@apmuthu; I just realized one point that I haven't made is that even though sql_trail shows the errors I have listed, all but one or two out of the hundreds listed did complete correctly to the database.  For instance, for the following error:

INSERT INTO 0_bank_accounts (account_code, account_type, bank_account_name, bank_name, bank_account_number, bank_address, bank_curr_code, dflt_curr_act, bank_charge_act) VALUES ('1066', '3', 'Undeposited Donations', 'Treasurer', '','', 'USD', '0', '5690')    1    could not add a bank account for 1066
17    SET sql_mode = ''

The database still made the Bank account of 1066 with all of the field values listed.  I apologize for not pointing this out earlier because this may turn out to be a hand-shaking timing error.   I am also saying that all of the above errors that I listed in the previous posts except for "Concurrent editing conflict while sales order upda..." completed correctly without throwing an exception to the users form.  The errors only showed up in the sql_trail table in the database.

If this post raises any more unanswered questions, please ask and I will respond.

Brand new install. 
Used the new USA 4-digit COA - ONLY!
Used the default "admin" account with a new password.
Setup => Access setup => System Administrator and enabled everything,
Brand new Bank account created (1066).

Still produced "some" of the same errors and I pasted them below.

Dumping data for table 0_sql_trail
1    SET sql_mode = ''    1   
2    UPDATE 0_users SET last_visit_date='2018-08-12 17:16:24' WHERE user_id='admin'    1    could not update last visit date for user admin
3    SET sql_mode = ''    1   
4    SET sql_mode = ''    1   
5    UPDATE 0_users SET last_visit_date='2018-08-12 17:17:08' WHERE user_id='admin'    1    could not update last visit date for user admin
6    SET sql_mode = ''    1   
7    SET sql_mode = ''    1   
8    SET sql_mode = ''    1   
9    SET sql_mode = ''    1   
10    SET sql_mode = ''    1   
11    SET sql_mode = ''    1   
12    INSERT INTO 0_chart_master (account_code, account_code2, account_name, account_type) VALUES ('1066', '', 'Undeposited Donations', '1')    1   
13    SET sql_mode = ''    1   
14    SET sql_mode = ''    1   
15    SET sql_mode = ''    1   
16    INSERT INTO 0_bank_accounts (account_code, account_type, bank_account_name, bank_name, bank_account_number, bank_address, bank_curr_code, dflt_curr_act, bank_charge_act) VALUES ('1066', '3', 'Undeposited Donations', 'Treasurer', '','', 'USD', '0', '5690')    1    could not add a bank account for 1066
17    SET sql_mode = ''    1   

I still can't figure out why.

@kvvaradha - Thank you for such a quick reply!  So, to try to answer your questions, I will list below what and how I started this database:

1.  I am the System Administrator of the 1and1.com MySQL databases version 5.5.60-0+deb7u1-log, PHP version 7.1.20, Http server type Apache, Server system Linux. The database was created new and empty online through the 1and1.com Dashboard MySQL Database control panel.  Setup username and password and initialized at 1024 of 1024 MB available.

2. I then created at my root access of the hosting site a directory named xxyyzz and unzipped the tar file to it.   Using a Chrome browser on my Windows10 x64 pc, went to the url of my site: https://mycompany.co/xxyyzz which immediately went into the FA installation wizard.  The wizard completed with absolutely no warnings or errors including the input of me, jimmyc, as Administrator, setting up my password and DB location/password, etc.

3.  Logging into FA the first time I chose to use the US COA for a nonprofit company for the initial opening and immediately went into the Setup tab => Access Setup => System Administrator and enabled every single item in the list.  But, I noticed when I am in FA, the top left corner shows "MycompanyName | mycompany.co | Administrator", not "System Administrator".

4.  So before I began this post, I logged into my FA on my website and captured the sql_trail just for this login.  It is attached in the csv format and it shows that FA "could not get validate user login for jimmyc".

Finally, I wish to point out that the install and creation of this MySQL DB was done within about one hours time yesterday.  This was to narrow down why I am getting these errors.  I have a "similar" installation done March 28, 2018 with thousands of records already entered and the sql_trail of that database is where I had first noticed these problems.

I hope you can help me solve my problem, which I am beginning to think it is caused by "could not get validate user login for jimmyc".  Please note that in my attached file, I did change the password string to "xxxxxxxxxxxx".

Thank you very much!!!!!!   

I unchecked the "Search Customer List" option in the Setup ->Company Setup screen and it now shows the drop down.  I missed this because I never looked in the company setup, just tried to follow the rabbit trail for Customer operations in the Sales directory. 

And yes, it is in black and white, plain as day, in the Wiki "Add and Manage Customers" near the bottom.

Thank you for taking the time to give me a complete (and now obvious) answer.