Hi, BScan2.
I understand your situation and the challenges you’re facing with the estate. I’ll do my best to guide you.
Currently, features such as logging checks, deposits, and reconciliation require an active QuickBooks Online (QBO) subscription.
If you're using a higher plan, you may consider using a low-cost option to continue recording transactions and reconciling, so you won’t have to worry as much financially.
You can check out this article to see the available subscription that best fits your needs: QuickBooks Online plans and pricing.
Let us know if you have further questions. We're here to help.