With your help I was able to get my query working perfectly! Thank you sooo much!!!
In case it helps anyone else, here's the query that solved all my problems (note: the use of UNION requires MySQL 4.0 and up):
SELECT 'pay' AS type, account_id, date, amount, comments
FROM payments
WHERE account_id='$acc'
UNION ALL
SELECT 'inv' AS type, account_id, date, amount, comments
FROM invoices
WHERE account_id='$acc'
UNION ALL
SELECT 'not' AS type, account_id, date, NULL AS amount, comments
FROM notes
WHERE account_id='$acc'
ORDER BY date DESC";