I'll provide some information about when you'll have to pay for your subscription, mgille.

With the launch of QuickBooks Desktop 2022, Intuit eliminated one-time user licenses. For now, all users will have to subscribe to an annual subscription plan, whether they use Pro, Premier, or Enterprise. If you're using the annual subscription plan, you'll have to make sure that you have an active subscription for you to use the company file. 

On the other hand, for older versions of QuickBooks Desktop, we inform you in advance when they are scheduled to be discontinued. If you don't use any of the add-on services in QuickBooks Desktop 2019, your product will continue to work for you. But, you won't be able to subscribe to live technical support or any of the other Intuit services that be integrated with QuickBooks Desktop. Also, discontinued versions won't receive the latest security patches and updates.

Furthermore, once your subscription is already active, you can now connect your bank to QuickBooks. If this happens, learn how QuickBooks makes a match. I've added this article for more details: Add And Match Bank Feed Transactions In QuickBooks Desktop. 

You can always get back to us if you have any questions about invoicing or your subscription, We're always here to help you.