You are REQUIRED to have a BUSINESS CHECKING to enable QUICKBOOKS files to download to your checking.  I have checked into this and am told the same thing from every bank.  This program is THE WORST program I have ever seen.  I work with alot of companies and they are either dropping them or using EXCEL to build their buisness program.  I have a MAC and it has more problems than the US at this point.  We have decided to go back to manual book keeping due to it being overpriced and nothing short of a disasterous program.  Banks can't work with it.