Hello -

It's been a while but for me I solved the problem back a while ago and wanted to see if it consistently removed the annoying message "you need to login to your account."  It appears QB D.Top has included new code or script that confirms an internet connection.  However, in my case I'm connected using CAT 5 cable so I simply unplug the cable from my network card before loading QB and it loads without the message.  Once loaded I plug the CAT 5 cable back in and pull down my bank data just fine. Now using wireless device it should work the same.  Word of caution though - make sure you know the necessary passwords to reconnect to the internet through your router or you might not be able to connect until the networks system administrator gets you back up and running.  This should not be a problem for homes or small businesses that know the necessary passwords.   I thought about this because if they cut an accountant or anyone working on a company file where no internet is avail. or only a public network (for fear of security breach) there might be liability for imposing an undue burden or forcing a user onto a network they deem not to be secure.  Hope this works for you all even though it's a royal pain.  I am preparing to make a move from QB's so when the intrusiveness gets to a point I'll be done with em.  This includes exporting all of my registers to Excel as well as downloading all data from my bank now in .CSV format and saving that in Excel as well.  I hope this helps.