Yes I agree, a complete waste of time. I was able to do a workaround with journal entries which seemed to work although I can't explain how it worked but in the process of reviewing my transactions, I discovered several math errors. I was shocked to see blatant errors in subtraction when I compared my bank statement to QB balance which only added to my problems. For example, I had a transaction for $21.86 that left me with a $25,599.72 balance. But QB noted the balance as $25, 599.74. I went line by line and could not account for the $0.02 discrepancy. When I looked back earlier I noted several transactions also off by by several cents to as much as $50. These problems cost me time to fix and delayed my bank loan application as I could not give my bank accurate financial statements. I do not have faith in QB anymore and pretty much going to wrap it up and test out other alternatives. Thank you for your advice though. I appreciate it.