My suggestion is to do the following three steps when you need to change
an account name:
1. Use UPDATE to change the account name in settings_a, even if though
changes the first letter so the account doesn't belong in that table
anymore.
UPDATE settings_a SET account = 'bishop' WHERE account = 'ash';
2. Copy the record to the correct table, according to the first letter.
Use INSERT without specifying the columns, and SELECT * without
specifying the columns. If the number, type, and order of the columns
in both tables match, it _should_ work.
INSERT INTO settings_b
SELECT * FROM settings_a WHERE account = 'bishop';
3. Remove the old record from the old table.
DELETE FROM settings_a WHERE account = 'bishop';
