Let me share some information about the QuickBooks Desktop (QBDT) process. @KL Melvin.

Yes, you can enjoy a QBDT account without using payroll and online banking features as long as your account is active. 

Also, you may check this article to know more about switching over to QuickBooks Desktop: Export and convert your QuickBooks Online data to Desktop.

For instance, you need to create a backup file of your company; see this article for the detailed steps: Back up your QuickBooks Desktop company file.

Plus, to ensure the continuity of operations and receive the latest features, you need to upgrade it before the discontinuation end. Visit this article as your reference: Upgrade QuickBooks Desktop Pro, Premier, or Enterprise.

Please let me know if you have additional questions about migrating or anything else QuickBooks-related. Have a good day.