Larry, you are sorta correct. Quicken will work offline but you must wage war with Quicken and Intuit to do it and never update! And you must use versions before 2016. Since mid 2016, the management of Quicken has decided that all software must register with Intuit or be locked. They now require 2016 (later updates) and later to run all data through Intuit telling folks that is the only way to update data. (I suppose they get a cut.) That is unmitigated hog wash as you can directly connect to any bank and download the same information that Intuit routes to your computer. I will agree that for the novice, Intuit makes it easier but it is still not difficult.
The connection to the bank is done today with all the new upgrades. There are many problems with it, some of which can be fixed. I have been fighting with it for years. So, you are correct that the easiest way is to follow the direction of my banks which is to go to and download the information. So, it is not hard at all once you get used to it. You can do it in the single entry way or just download the whole thing.
The bottom line is that Quicken is the most user friendly method to download financial information and make journal entries. The most expensive is to call your bank and have them do it for you.
The following chart shows the major versions of Quicken and Personal Capital and Mint. It is important to note the version number. 2016 versions are available to download. To save your banking information, you must synchronize.
Some applications, such as Java, require that the application directories and libraries are updated to a newer version before the user can update. However, there are some applications that are not explicitly API-specific, such as the X Window System, the X server source code, are automatically updated as required.
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