I know this will sound lazy but after using QBO last year for 6 weeks, we moved everything back to QB Desktop where it all works as expected.  We did have to reenter every transaction for those 6 weeks so that was a challenge but QBO was not going to cut it for us, regardless what QB told us.  And unfortunately, I know more than a few companies going back to and staying on Desktop, until they force us to QBO someday.  But then maybe we'll look for a different accounting option.