Hello bigjeff,
Having Internet access when using QuickBooks Desktop is helpful for making sure you have access to the most recent program updates, but isn't a requirement of the program. If you have 2020 installed but don't currently have access to the Internet, you can still use the program and set up passwords for accessing it.
To learn more specifically about passwords in the program, read the following article: Password security for QuickBooks Desktop
I'm available if you have further questions!
