I was pretty disappointed when first going to QBO that reminders didn't work the same. But  month or 2 in, I have moved most of my reminders to scheduled transactions. That meets most needs. But there are still transactions that I leave out there as reminders for one reason or another, and yes, unless I have the discipline to remind myself to check reminders, I overlook them and miss dates. So nothing critical gets posted as a reminder, always as scheduled.