Thank you! I feel so vindicated hearing your response. I too use Desktop for a longtime client and tried to set up QBO for a new non-profit startup. After wasting hours and hours with failed reports I ended up switching over to the desktop version so I could set up multiple ARs for pledges, sponsorships and grants. All of which function differently.

Additionally the Fund accounting doesn't work in QBO and if you try to run a balance sheet by class, many of the transaction show up as unclassed even though they are! I spent HOURS on the phone with support until they finally admitted that it doesn't work since that report "only looks at the top line" whatever that means.... basically only GJE's show up in the right class but individual expenses and income remain unclassed even when assigned a class. It's BASIC BOOKKEEPING!! (can you hear my frustration?) anyway, QBDT is the way to go until they get their act together. Good luck!