@StaceyA18 

You are using Mac, correct? Explore this free program to run on Mac.

https://www.manager.io/

Then to pay your bills for free by ACH, you can signup for a Melio account for free.

https://affiliates.meliopayments.com/pricing

Another option, use QB Desktop 2020 or 2021 (Windows) with the one time license + Parallels + Windows 10 Home.