How can we access our QB checking account without an online subscription?

Welcome to the QuickBooks Community forum, windyl0u. I'll be here to share some information about using QuickBooks Checking in your QuickBooks Desktop (QBDT). 

QuickBooks Checking isn't available in QBDT. In this case, ensure you have transferred your funds from your Checking account to your external bank account. This way, you can utilize your existing payment account to QBDT. Before canceling your QuickBooks Online (QBO) subscription, unlink your QuickBooks Payments from the specified account.

Once done, you'll need to connect your current payments account to your company file to continue processing customer remittances. 

Here's how: 

1. In QuickBooks Desktop, go to the Customers menu.
2. Choose Link Payment Service to Company File. If you see a message about credit card protection, fill out the fields and hit Enable Protection.
   
3. Enter the user ID and password you used to sign up for QuickBooks Payments. Then click Sign In.
4. Select Connect. Or if you're transferring your payments account to another company file, hit Transfer and then Yes, transfer.

Afterward, you'll see an icon on the homepage. This tells you you're signed in and connected to QuickBooks Payments.

Here are some articles for additional info: 

• Connect your QuickBooks Payments account to QuickBooks Desktop
• QuickBooks Checking FAQ

Let me know in the comments if you have more questions about accessing your QB Checking, moving from QBO to QBDT, or any QuickBooks-related inquiries. I'll be sure to offer a helping hand. Take care!

I don't understand WHY you people insist on 'answering' questions with info that is in no way relevant to the question asked. I didn't ask you anything about my payments account. But since you brought it up, NO you CANNOT use the same payment account from online in desktop. Please don't reply to this with more inaccurate info, we are trying to run businesses here and don't have time for the nonsense.

Thanks for asking the question. I was told by a QB rep you have cannot transfer QB checking to Desktop. 

QB online has to be the worst decision I have made in all the bad decisions I have made in business.

Google AI search says YES you can use After canceling a QuickBooks Online subscription, you can still use your QuickBooks Checking account to transfer money in and out:  Search "use quickbooks checking after cancel subscription"