Notes stored in iCloud not accessible on iPhone
I have updated to iOS14 and my notes stored in iCloud are no longer accessible on my iPhone. I can access the notes on my MacBook and iCloud.com, so the notes are there. I have deleted the notes app, turned off phone and then re-installed when turned back on. When I go to the notes app in settings, the only option in the Default Account field is On My iPhone, iCloud is missing. When I leave that option blank, and open the app notes, it tells me I need to upgrade but then offers no option to upgrade. I don't understand why iCloud is not an option to select, which is what I need to see my notes stored in the cloud.
iPhone X, iOS 14