Thank you for posting your response in this thread, craiglittle.

Let me make sure everything clear about the added security feature for your QuickBooks account.

Multi-factor authentication is a security enhancement on top of your usual password requirement. This is a ONE-TIME verification where-in you will receive confirmation code if ever you will be logging in to a new device.

On the other hand, the Two-step verification is also an added layer of security in which you will also receive a confirmation code each time you access your account.

That being said, turning off the Two-step verification will enable the usual multi-factor authentication.

This article will provide you more information about the difference between the two: Verify your account with multi-factor authentication

Post your concern or click the reply button below for follow-up questions. I'll be here to help. Have a nice day!