Hello there, CaseyMc.

Two-step verification is a security setting where you confirm that you’re the one signing in to your account using your password and a unique code. Though it's turned off, you may still be required to enter a code. These are the factors that may trigger this:

• Log in to a new device or new browser.
• After clearing the browser's cache and history.

I'm adding this article that explains more the difference between Multi-factor authentication and Two-step verification: Verify your QBO account with multi-factor authentication or two-step verification.

Get back to this thread if you have any other questions. I'll be right here to help.