All my clients that used QBO or switched to QBO from Desktop bought in to people telling them how easy the banking would be and the program in general.
The only thing in my opinion that QBO banking did was give accountant consultants a way to charge clients a ton of money in order to correct the terrible messes clients create when trying to do online banking.
Clients don't take the time to learn how to do it and just jump in. They set up all these rules wrong for automatic posting and they just want to approve everything without a clue of if it is going to the right location. They also don't do their side of receive payments etc and then match the income deposit to it. They don't do their part so there is nothing available to match to. The automatic match of invoices with payments also is a nightmare especially with clients that have tons of invoices that could be for the same amounts. I never use that feature even in desktop. Most clients can't even wrap their head around what undeposited funds feature is for and then have tons of deposits sitting in that account and they can't figure out why,
I also encourage my clients that had problems not to use the online banking feeds, but they were so caught up in knowing the current balance of their accounts regardless of how bad it was screwing up their accounting records. They had soooooooooooooooooo much on the EXLUDED tab. Essentially nothing should be excluded unless you already entered it in your sytem and ignored the bank feed.
Awful, awful, awful. In my opinion the whole program is awful for people that don't want to take the time to learn how to use it before they jump right into it. They other problem is the QBO is nothing like QBD and the people that convert to QBO have a learning curve to learn QBO. It is nothing like QBD.
One more thing that is a nightmare is that QBO data can be completely wiped out if you have a disgruntled employee. I did see that there is an add on developed that will give you the option of getting a form of a backup.
