QB is not a bank, not FDIC insured and therefore cannot guarantee the funds held by QB are secure. In addition if QB makes errors and overpays the taxes this will negatively impact small business because it can take months to receive refunds from governing agencies. Also related is if QB makes an error in the payroll data the Payroll Correction team which is outsourced to India never makes corrections accurately and also make changes that are not needed or requested making it impossible to correct any payroll data. This also negatively impacts mine and my clients ability to manage cash flow. This combined with the constant changes made to the site has me constantly fielding complaints from my clients. The software and data are unstable and all of my clients hate using it. Because of this and many more factors I no longer recommend QB to clients. There are too many better options on the market to compromise with the dumpster fire that QB has become