Wader with a cutlery account? (9)
I believe the answer is:
spoonbill
'wader' is the definition.
(spoonbill is a kind of wader)
'with a cutlery account?' is the wordplay.
'with' means one lot of letters go next to another.
'a cutlery' becomes 'spoon' (spoon is a kind of cutlery).
'account?' becomes 'bill' (billing is a kind of accounting).
'spoon' put next to 'bill' is 'SPOONBILL'.
(Other definitions for spoonbill that I've seen before include "Wading bird with broad beak" , "flyer" , "one rarely seen in the UK?" , "Wader" , "Tall wading bird" .)