select account.* from T_UserAccount account left join T_User_Bill bill on account.UserID = bill.UserID where bill.UserID is null;

------解决方案--------------------
在T_User_Bill 的UserID上加索引


select *
from  T_UserAccount A
where not exists (select 1 from  T_User_Bill  B where A.UserID =B.UserID )

------解决方案--------------------
SQL code
SELECT * 
FROM T_UserAccount A
WHERE not EXISTS(SELECT 1 FROM T_User_Bill B WHERE A.UserID=B.UserID);

------解决方案--------------------
SELECT account.UserID, account.Account,account.LastAccessMsg,account.LastAccessTime,account.CreateTime  
FROM T_UserAccount account  
WHERE not exists (select 1 from T_User_Bill where UserID=account.UserID)