So long as you are using any online feature provided by Quickbooks Desktop they have you over a barrel. But, the services provided through Intuit online like payroll or direct deposit (ACH) are neither necessary to use Quickbooks Desktop, nor are they, in my opinion, the best available. ADP.com provides better payroll services and Bill.com provides better direct deposit. It's pretty easy to integrate either into QB Desktop. My recommendation is to cut the cord tying you to Intuit online services by replacing them with services from other vendors less inclined to be bullies.