The solution is to just not use Quickbooks Checking at all and advise all clients to NOT get the account.

Look at these 2 statements.

I do not know why a checking account does not close at the end of the month like every other bank.

The logic escapes me as to why the beginning balance is a different date than the ending balance of the previous month, let alone another day.  Never seen this before and no one could be held accountable for it.

The other scam they have with the 5% interest rate I can foresee, is that you have to transfer money into envelopes to get that interest.  I assume many will not ever do this.  I will take it to social media to advise.

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