OldToad, my reasons for switching were similar. Cloud programs are a fabulous invention. As I believe I mentioned before, I have been a QuickBooks user since Version 1.0 and switched to QBO soon after it became available. Support in the beginning was superb.

But this might be the last straw. The cost has gone up, and now represents a significant expense for our small church. I'm tempted to simply retire and let somebody else handle the books however they want. Or maybe hire the payroll part out, and switch to the free Wave Accounting for the rest. It is now capable of connecting to our bank for downloading checking transactions. I am using Melio Payments for bill paying through QBO, but don't believe you have to be a QuickBooks user to remain a Melio client. They recently started charging for mailing paper checks out, but still will do ACH transfers for free. I would have to maintain dual systems, but the sync between QBO and Melio is sketchy anyway, at least when it comes to updating vendor information.